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HOA Master Policy

🏢 Renters & Condo

The insurance the condo association carries on the building and common areas. Your HO-6 fills the gaps it leaves “inside your walls.”

🎓 Agent note Confirm whether the master is “bare walls,” “single entity,” or “all-in” — it dictates how much building coverage the owner’s HO-6 needs.

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.

HO-6 (Condo) Loss Assessment Bare Walls Coverage All-In (Single Entity) Coverage Improvements & Betterments

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