Bare Walls Coverage

An HOA master policy type that covers only the basic structure — you insure everything from the studs in with your HO-6.

This is a friendly general explanation, not legal or policy language. Exact coverage depends on your policy, carrier, and state. 🤝

Written and reviewed by the We Insure Things team — licensed independent insurance agents. Last reviewed July 23, 2026. Questions? Ask a licensed agent.