HOA Insurance Checklist: Master Policy vs HO-6 (Lite)

Compare your HOA's master policy coverage with your personal HO-6 policy to identify gaps.

Interior fixtures (cabinets, flooring, counters)

Master policy: Not covered (bare-walls) or partially (all-in)

Your HO-6: Dwelling coverage (Coverage A)

Gap: If master policy is bare-walls, you need full interior coverage

Action: Confirm master policy type: bare-walls, single-entity, or all-in

Personal property

Master policy: Never covered

Your HO-6: Contents coverage (Coverage C)

Gap: All personal belongings are your responsibility

Action: Inventory your belongings; get adequate contents coverage

Loss assessment

Master policy: N/A — this covers shortfalls in the master policy

Your HO-6: Loss assessment coverage

Gap: If HOA deductible is $25K+ and split among owners, you need this

Action: Get at least $50K loss assessment coverage

Liability (injuries in your unit)

Master policy: Common areas only

Your HO-6: Liability coverage (Coverage E)

Gap: Injuries inside your unit are not covered by master policy

Action: Minimum $300K liability recommended

Water damage from your unit to neighbor

Master policy: May not cover damage you cause to other units

Your HO-6: Liability coverage

Gap: You could be liable for water damage flowing to units below

Action: Confirm liability covers water damage to neighbors

Generated from condoworkbook.com. For educational purposes only — not legal or financial advice. Consult your governing documents and a qualified professional for your specific situation.

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