Nadler Insurance × Justin Goldberg | Compass
Insurance for Your New Renou Condo
Congratulations on your new home at 395 6th St in SoMa. As Justin Goldberg’s trusted insurance partner, we’ll make sure your investment is protected from day one.
About Renou
Contemporary condo living in the heart of SoMa, San Francisco
Address
395 6th St
San Francisco, CA 94103
Unit Types
Studios, 1BR, 2BR
~90 contemporary condos
Neighborhood
SoMa, San Francisco
Innovation, culture, dining
SF Condo Insurance: What You Need to Know
The San Francisco insurance market has tightened significantly. Here’s what Renou buyers should understand about insuring a condo in San Francisco.
Carrier Pullbacks in SF
Several major carriers have reduced their appetite for San Francisco properties due to wildfire-adjacent risk, earthquake exposure, and loss history. Fewer options means working with an independent broker who represents multiple carriers is more important than ever.
New Construction Advantage
Renou is new construction — built to modern building codes with fire suppression systems, updated electrical, and contemporary materials. This typically means better insurability and more competitive rates compared to older SF buildings.
HOA Master Policy vs. Your Policy
Your HOA carries a master policy that covers the building’s structure and common areas. But it does not cover your unit’s interior, personal belongings, or your liability. That’s where your individual condo policy (HO-6) comes in.
Why an Independent Broker Matters
Unlike a captive agent (who sells one company’s products), Nadler Insurance shops across multiple top-rated carriers to find the best coverage and price for your Renou unit. We’ve been doing this in the Bay Area since 1927.
Condo Insurance (HO-6) for Owners
If you’re moving into your Renou unit, an HO-6 condo policy covers everything from your walls in — where the HOA master policy stops.
Interior & Fixtures
Covers walls-in: flooring, cabinets, countertops, appliances, and upgrades inside your unit.
Personal Property
Protects furniture, electronics, clothing, and valuables against theft, fire, and covered perils.
Liability Protection
Covers legal costs and damages if someone is injured in your unit or you cause damage to another unit.
Loss of Use
Pays for temporary housing if your unit becomes uninhabitable due to a covered loss.
Lender requirement: If you’re financing your Renou purchase, your lender will require an HO-6 policy before close of escrow. We can have your policy ready in time.
Landlord Insurance for Rental Condos
Buying a Renou unit as an investment? You’ll need a landlord dwelling policy (DP-3) instead of a standard HO-6.
Dwelling Coverage
Protects your unit's structure (walls-in) and any improvements you've made as a landlord.
Rental Income
Reimburses lost rent if your unit becomes uninhabitable due to a covered loss.
Landlord Liability
Covers legal costs if a tenant or visitor is injured in your rental unit.
Landlord Contents
Protects appliances, fixtures, and any furnishings you provide for tenants.
Don’t Overlook Personal Injury Coverage
Standard landlord liability covers bodily injury — like a slip-and-fall in your unit. But it typically does not cover personal injury claims such as wrongful eviction, discrimination, or invasion of privacy. In San Francisco’s highly regulated rental market, these claims are more common than you’d think. We’ll make sure your liability coverage is endorsed to include personal injury protection — a critical addition for any SF landlord.
Becoming a San Francisco Landlord?
San Francisco has some of the most complex tenant-landlord regulations in the country. If you’re planning to rent out your Renou unit, we strongly recommend joining the San Francisco Apartment Association (SFAA). SFAA provides education, legal resources, and advocacy for SF rental property owners — an essential resource for navigating rent control, eviction rules, and compliance.
Visit sfaa.org →A Note on Renters Insurance
Whether you’re renting out your Renou unit or know someone who rents — renters insurance is one of the most affordable and important policies a tenant can carry.
Liability Protection
Covers legal costs if a tenant causes accidental damage to another unit or someone is injured in their home.
Personal Property
Protects a tenant’s belongings against theft, fire, water damage, and other covered events.
Loss of Use
Pays for temporary housing costs if the rental becomes uninhabitable due to a covered loss.
As a landlord, consider requiring tenants to carry renters insurance as a condition of the lease. We can help your tenants get covered too — learn more about renters insurance.
From Offer to Close — We Handle the Insurance
Buying a condo is exciting but the insurance piece can feel like one more thing on the list. We make it seamless so you can focus on your move.
Offer Accepted
Congratulations! Once your offer is accepted on your Renou unit, let us know and we’ll get started right away.
We Gather the Details
We collect the building info, HOA master policy details, and your unit specifics — most of which we already know for Renou.
We Shop the Market
We compare rates and coverage across multiple top-rated carriers to find the best option for your unit and budget.
Bind & Close
We coordinate directly with your lender, provide proof of insurance, and bind coverage — all ready before your closing date.
Frequently Asked Questions
Do I need condo insurance if my HOA already has a master policy?
What is the difference between an HO-6 and a landlord (DP-3) policy?
Is it hard to get condo insurance in San Francisco right now?
Do I need earthquake insurance for my Renou condo?
When do I need my condo insurance policy in place?
Should I require my tenants to have renters insurance?
Get Your Renou Insurance Quote
Fill out the form below and a Nadler advisor will reach out with a personalized quote for your unit.
Questions about insuring your Renou condo? We’re here to help.
Call (650) 590-2022