The short answer
HO-6 covers your unit's interior improvements, personal property, loss assessment (share of master-policy deductible), and personal liability. Coverage depth depends on whether the HOA master policy is 'bare walls' or 'all-in' — read the CC&Rs.
Frequently asked
- What is loss assessment coverage?
- Pays your share when the HOA levies a special assessment after a covered master-policy loss — typical limit $1,000; increase to $50K in high-rise buildings.
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