HOA vs Owner Insurance Responsibility: Who Covers What?
When something breaks or gets damaged in a condo, insurance responsibility depends on what was damaged, where it is, and who caused it. The split between HOA and owner insurance is one of the most confusing aspects of condo ownership.
| Aspect | HOA Insurance Responsibility | Owner Insurance Responsibility |
|---|---|---|
| Building exterior/structure | Covered by master policy | Not your responsibility (unless you caused damage) |
| Common area damage | Covered by master policy | May be assessed to you if you caused it |
| Interior fixtures (original) | Depends on master policy type | Covered if master is "bare walls" |
| Interior upgrades | Not covered | Covered by HO-6 |
| Personal belongings | Not covered | Covered by HO-6 |
| Water damage from unit above | Structure repair if common element | Interior damage usually your responsibility |
| Master policy deductible | HOA may pass to responsible owner | Loss assessment coverage can help |
Bottom Line
The general rule: HOA insurance covers the building and common areas. Owner insurance covers personal property and interior improvements. The gray area is interior structural elements (drywall, fixtures, flooring) which depends on whether the master policy is "bare walls" or "all-in."
Frequently Asked Questions
What if my neighbor's pipe floods my unit?
The HOA's master policy typically covers damage to common elements. Your HO-6 covers damage to your personal property and interior. You may have a claim against the neighbor if their negligence caused the leak.
Can the HOA make me pay the insurance deductible?
Many CC&Rs allow the HOA to pass the master policy deductible to the owner whose unit was involved. This is why loss assessment coverage on your HO-6 is so important.
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