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Homeowners

What does condo insurance (HO-6) actually cover?

A condo policy (HO-6) covers your unit from the drywall inward, your personal property, personal liability, and loss of use. It does not cover the building structure or common areas โ€” that is covered by the HOA master policy. The key is understanding whether your HOA master policy is bare walls-in (covers only the structure to the studs) or all-in (covers original fixtures and finishes). Getting this wrong means either paying for duplicate coverage or having a serious gap.

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