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What is the difference between a bare walls and all-in HOA master policy in Georgia?

Your HOA master policy determines what your HO-6 needs to cover. Bare-walls-in policies cover only the structural shell to the studs. Your HO-6 must cover flooring, cabinets, fixtures, appliances, and everything from the drywall inward. All-in (or all-inclusive) policies cover original fixtures and finishes installed by the developer, so your HO-6 only needs to cover improvements you added and your personal property. Getting this wrong creates duplicate coverage or a serious gap. We review the HOA master policy document before placing any Georgia condo coverage.

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