Does condo insurance include personal liability coverage?

Yes. Your HO-6 includes personal liability, typically $100,000 to $300,000 per occurrence, for incidents inside your unit or caused by you. If a guest trips in your unit, your dog bites someone, or you cause a water leak that damages a neighbor's unit, HO-6 liability responds. For condo owners wanting higher limits, a personal umbrella adds $1M or more above the HO-6 liability limit.