For Georgia condos, the most common gap is misunderstanding what the HOA master policy covers. All-in policies cover original fixtures. Bare-walls policies cover only the structural shell, leaving flooring, cabinets, and fixtures entirely to your HO-6. If you have a bare-walls master policy and minimal HO-6 limits, a major loss inside your unit can leave you significantly underinsured. We review the HOA master policy before placing any HO-6.

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