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2:T100e,[{"@context":"https://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https://condosignal.com/"},{"@type":"ListItem","position":2,"name":"Condo Insurance Requirements","item":"https://condosignal.com/condo-insurance-requirements"}]},{"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"What is the difference between a bare-walls-in and all-in master policy?","acceptedAnswer":{"@type":"Answer","text":"A bare-walls-in policy covers the building structure and common elements and stops at the unfinished interior surface of the unit walls — it does not cover any fixtures, flooring, cabinetry, or built-in appliances inside the unit. An all-in policy extends to the original unit finishes and fixtures as installed by the developer. Under either form, improvements you or a prior owner made above the original specifications are generally your responsibility. The form determines how much interior coverage your HO-6 needs to carry."}},{"@type":"Question","name":"How much loss assessment coverage should I carry?","acceptedAnswer":{"@type":"Answer","text":"The right amount depends on your building's master policy deductibles, particularly the windstorm or named-storm deductible. Divide the building's windstorm deductible by the number of units to get a rough per-unit estimate of your maximum exposure in a named-storm event. That figure is a reasonable starting point for your loss assessment coverage limit. For buildings in coastal or hurricane-exposed markets, $50,000 is a common minimum; $100,000 or more may be warranted for older or larger buildings with high windstorm deductibles."}},{"@type":"Question","name":"Does the association's master policy cover my personal property?","acceptedAnswer":{"@type":"Answer","text":"No. The master policy covers the building and common areas. Your personal belongings — furniture, electronics, clothing, appliances you own — are covered only by your personal HO-6 policy. This is true under both bare-walls-in and all-in policy forms."}},{"@type":"Question","name":"Do I need flood insurance if the building is not in a flood zone?","acceptedAnswer":{"@type":"Answer","text":"Your lender will only require it if the property is in a FEMA-designated Special Flood Hazard Area. Whether you should carry it outside that designation is a separate question. Flood losses occur with meaningful frequency outside mapped flood zones — FEMA estimates that approximately 20 percent of flood claims come from outside high-risk areas. The cost of flood coverage and your specific exposure (elevation, proximity to water, local drainage patterns) should inform that decision."}},{"@type":"Question","name":"What happens if the association's master policy lapses or is cancelled?","acceptedAnswer":{"@type":"Answer","text":"A lapse in master policy coverage is a serious problem. It exposes the building and all unit owners to uninsured losses and typically triggers a default or covenant violation under mortgage agreements. Your lender may place force-placed insurance on the building and charge the cost back to the association, which then passes it to owners. Before closing, verify the master policy is current, confirm the renewal date, and ask whether the premium has been paid for the current policy period."}},{"@type":"Question","name":"Why does it matter whether the master policy carrier is admitted or surplus lines?","acceptedAnswer":{"@type":"Answer","text":"An admitted carrier is licensed in the state and subject to state insurance regulation, including state guarantee fund protections if the carrier becomes insolvent. A surplus lines carrier is not admitted and is not backed by the state guarantee fund. Surplus lines coverage is not inherently bad — many financially sound carriers operate in surplus lines — but it carries different regulatory protections and sometimes different renewal terms. If a building is insured by a surplus lines carrier, ask why and whether the association has attempted to obtain admitted coverage."}}]}]a:["funnel_owner"]
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That asymmetry is costly.","audiencePath":"/condo-insurance-requirements","background":"gradient"}],["$","div",null,{"className":"mx-auto w-full max-w-3xl px-4 sm:px-6","children":["$","div",null,{"className":"mt-6","children":["$","div",null,{"className":"grid gap-3 md:grid-cols-2","children":[["$","$L5","risk_intel",{"audience":"owner","path":"/condo-insurance-requirements","surface":"top","variant":"banner"}],["$","$L6","expert_match",{"classification":{"funnel":"owner","formVariant":"B","state":"national","tags":["funnel_owner"],"partnerTags":["insurance_broker"],"source":"prd"},"path":"/condo-insurance-requirements","pageTitle":"Condo Insurance Requirements","surface":"top","variant":"banner","dynamicOverride":"$undefined"}]]}]}]}],["$","section",null,{"className":"bg-white py-section","children":["$","div",null,{"className":"container-narrow","children":[["$","p",null,{"className":"text-lg leading-relaxed text-graphite","children":"The association carries a master policy that covers the building — but its scope, its deductibles, and its exclusions directly determine what your personal HO-6 policy needs to do. Getting this analysis wrong can leave you exposed to losses you thought someone else would cover. This page explains the coverage split, the common gaps, and what to verify before you close. Where Insurance risk analyzes how exposed a particular building leaves you, this is the requirements checklist — the coverage you and your lender need in place before closing."}],["$","$L7",null,{"experience":"risk_check","placement":"topic_after_intro","path":"/condo-insurance-requirements","pageType":"national_topic"}],"$undefined",[["$","div","Master policy versus HO-6: the fundamental split",{"className":"mt-10","children":[["$","h2",null,{"className":"text-2xl font-semibold text-ink","children":"Master policy versus HO-6: the fundamental split"}],["$","p",null,{"className":"mt-3 leading-relaxed text-graphite","children":"A condominium association carries a master insurance policy covering the building structure, common areas, and — depending on the policy form — some portion of each unit's interior. Your personal HO-6 policy covers your unit interior, your personal property, and your liability exposure as a unit owner. The two policies are meant to work together without overlapping and without leaving gaps. In practice, gaps are common and overlap is rare. The most important step in sizing your HO-6 correctly is reading the master policy's declarations page — specifically, the policy form, the coverage limits, and the major deductibles. Both documents should be reviewed together, not separately. Your insurance agent should be working from the master policy details when they quote your HO-6."}]]}],["$","div","Bare-walls-in versus all-in policy forms",{"className":"mt-10","children":[["$","h2",null,{"className":"text-2xl font-semibold text-ink","children":"Bare-walls-in versus all-in policy forms"}],["$","p",null,{"className":"mt-3 leading-relaxed text-graphite","children":"The two dominant master policy forms in condominium insurance create fundamentally different coverage splits. A bare-walls-in policy covers only the building structure — framing, concrete, exterior walls, common mechanical systems — and stops at the interior surface of the walls. Everything inside your unit, including flooring, cabinetry, fixtures, and built-in appliances, is your responsibility regardless of the damage's source. An all-in policy extends the master coverage to include the original unit finishes and fixtures as installed by the developer. If you or a prior owner made improvements above the original specifications — upgraded countertops, custom flooring, additional built-ins — those betterments are typically your responsibility even under an all-in policy. Know which form your building carries before your HO-6 is priced. A bare-walls-in building requires substantially more interior coverage from your personal policy."}]]}],["$","div","Loss assessment coverage: the most overlooked protection",{"className":"mt-10","children":[["$","h2",null,{"className":"text-2xl font-semibold text-ink","children":"Loss assessment coverage: the most overlooked protection"}],["$","p",null,{"className":"mt-3 leading-relaxed text-graphite","children":"When the association sustains a loss — a fire, storm damage, a liability claim — and the master policy's deductible or coverage limit is not sufficient to pay the full cost, the board assesses unit owners for their proportionate share of the shortfall. This is called a loss assessment, and it is a direct financial obligation on you as an owner. Loss assessment coverage, available as an add-on to most HO-6 policies, reimburses you for these charged amounts up to your policy limit. The coverage is typically inexpensive relative to the protection it provides. The right limit depends on your building's master policy deductibles — particularly the windstorm or hurricane deductible, which in coastal states can represent hundreds of thousands of dollars applied to the whole building. Ask your insurance agent to size your loss assessment coverage to your realistic maximum exposure, not just the policy minimum."}]]}],["$","div","Windstorm, hurricane, and named-storm deductibles",{"className":"mt-10","children":[["$","h2",null,{"className":"text-2xl font-semibold text-ink","children":"Windstorm, hurricane, and named-storm deductibles"}],["$","p",null,{"className":"mt-3 leading-relaxed text-graphite","children":"In coastal and hurricane-exposed states, windstorm and named-storm deductibles are the single largest insurance risk variable for condo owners. Unlike a flat-dollar deductible, these are typically expressed as a percentage of the building's total insured value — often one to five percent. On a building insured for $20 million, a two percent deductible is $400,000. That entire amount must be funded before the insurer pays anything, and it is almost always funded through a special assessment on unit owners. Florida's coastal condo market illustrates the stakes: after major storms, assessments to cover master-policy deductibles have run into tens of thousands of dollars per unit in some buildings. Request the current windstorm deductible from the master policy declarations page, divide by the number of units as a rough per-unit exposure estimate, and make sure your loss assessment coverage limit is set accordingly."}]]}],["$","div","Flood insurance: separate, federal, and often required",{"className":"mt-10","children":[["$","h2",null,{"className":"text-2xl font-semibold text-ink","children":"Flood insurance: separate, federal, and often required"}],["$","p",null,{"className":"mt-3 leading-relaxed text-graphite","children":"Standard property insurance — both the master policy and your HO-6 — does not cover flood damage. Flood insurance in the United States is primarily provided through the federal National Flood Insurance Program. If the building is in a FEMA-designated Special Flood Hazard Area, your lender will likely require you to carry a unit-level flood policy as a condition of the loan. Even outside a designated flood zone, flood exposure is worth evaluating: many loss events classified as flooding occur outside the mapped 100-year floodplain. Ask whether the association carries a flood policy on the building's common areas, check the property address in FEMA's flood map service, and get a flood insurance quote for your unit as part of your pre-close insurance planning."}]]}],["$","div","What to verify in the master policy declarations page",{"className":"mt-10","children":[["$","h2",null,{"className":"text-2xl font-semibold text-ink","children":"What to verify in the master policy declarations page"}],["$","p",null,{"className":"mt-3 leading-relaxed text-graphite","children":"The master policy declarations page is the single most useful insurance document you can request. It states the insurer, the policy period, the coverage limits, the named-storm and all-peril deductibles, and the policy form (bare-walls vs. all-in). It will also show whether the building is insured through an admitted carrier, a surplus lines carrier, or a state-backed facility such as Citizens Property Insurance in Florida. The carrier matters: a building insured by a financially stressed or non-admitted carrier carries more renewal risk. Look for the liability coverage limits on common areas and check when the policy renews relative to your closing date. A policy expiring shortly after you close with no confirmed renewal terms is worth asking about."}]]}]],["$","$L8",null,{}],["$","div",null,{"className":"mt-12 rounded-lg border border-signal/50 bg-signal/5 p-6","children":[["$","h3",null,{"className":"text-lg font-semibold","children":"Reviewer's checklist"}],["$","ul",null,{"className":"mt-4 space-y-2 text-sm text-graphite","children":[["$","li","Request the association's current master insurance policy declarations page",{"className":"flex gap-2","children":[["$","span",null,{"className":"mt-1 h-1.5 w-1.5 shrink-0 rounded-full bg-signal"}],["$","span",null,{"children":"Request the association's current master insurance policy declarations page"}]]}],["$","li","Identify the policy form: bare-walls-in or all-in",{"className":"flex gap-2","children":[["$","span",null,{"className":"mt-1 h-1.5 w-1.5 shrink-0 rounded-full bg-signal"}],["$","span",null,{"children":"Identify the policy form: bare-walls-in or all-in"}]]}],["$","li","Record the windstorm or named-storm deductible as a dollar amount or percentage of insured value",{"className":"flex gap-2","children":[["$","span",null,{"className":"mt-1 h-1.5 w-1.5 shrink-0 rounded-full bg-signal"}],["$","span",null,{"children":"Record the windstorm or named-storm deductible as a dollar amount or percentage of insured value"}]]}],["$","li","Estimate your per-unit windstorm deductible exposure by dividing the building deductible by the number of units",{"className":"flex gap-2","children":[["$","span",null,{"className":"mt-1 h-1.5 w-1.5 shrink-0 rounded-full bg-signal"}],["$","span",null,{"children":"Estimate your per-unit windstorm deductible exposure by dividing the building deductible by the number of units"}]]}],["$","li","Confirm whether the building is in a FEMA Special Flood Hazard Area using the FEMA flood map service",{"className":"flex gap-2","children":[["$","span",null,{"className":"mt-1 h-1.5 w-1.5 shrink-0 rounded-full bg-signal"}],["$","span",null,{"children":"Confirm whether the building is in a FEMA Special Flood Hazard Area using the FEMA flood map service"}]]}],["$","li","Ask whether the association carries a flood policy on the building's common areas",{"className":"flex gap-2","children":[["$","span",null,{"className":"mt-1 h-1.5 w-1.5 shrink-0 rounded-full bg-signal"}],["$","span",null,{"children":"Ask whether the association carries a flood policy on the building's common areas"}]]}],["$","li","Identify the master policy carrier and confirm whether it is an admitted carrier or Citizens/surplus lines",{"className":"flex gap-2","children":[["$","span",null,{"className":"mt-1 h-1.5 w-1.5 shrink-0 rounded-full bg-signal"}],["$","span",null,{"children":"Identify the master policy carrier and confirm whether it is an admitted carrier or Citizens/surplus lines"}]]}],["$","li","Request your HO-6 quote before closing, providing the master policy details to your agent",{"className":"flex gap-2","children":[["$","span",null,{"className":"mt-1 h-1.5 w-1.5 shrink-0 rounded-full bg-signal"}],["$","span",null,{"children":"Request your HO-6 quote before closing, providing the master policy details to your agent"}]]}],["$","li","Ensure your HO-6 includes loss assessment coverage sized to your realistic windstorm deductible exposure",{"className":"flex gap-2","children":[["$","span",null,{"className":"mt-1 h-1.5 w-1.5 shrink-0 rounded-full bg-signal"}],["$","span",null,{"children":"Ensure your HO-6 includes loss assessment coverage sized to your realistic windstorm deductible exposure"}]]}],["$","li","Confirm your HO-6 covers betterments and improvements above the original developer specifications",{"className":"flex gap-2","children":[["$","span",null,{"className":"mt-1 h-1.5 w-1.5 shrink-0 rounded-full bg-signal"}],["$","span",null,{"children":"Confirm your HO-6 covers betterments and improvements above the original developer specifications"}]]}],["$","li","Check whether a unit-level flood policy will be required by your lender",{"className":"flex gap-2","children":[["$","span",null,{"className":"mt-1 h-1.5 w-1.5 shrink-0 rounded-full bg-signal"}],["$","span",null,{"children":"Check whether a unit-level flood policy will be required by your lender"}]]}],["$","li","Review the insurance premium trend in the association's budgets for the past three to five years",{"className":"flex gap-2","children":[["$","span",null,{"className":"mt-1 h-1.5 w-1.5 shrink-0 rounded-full bg-signal"}],["$","span",null,{"children":"Review the insurance premium trend in the association's budgets for the past three to five years"}]]}]]}],["$","div",null,{"className":"mt-6 border-t border-ink/10 pt-5","children":[["$","p",null,{"className":"text-sm leading-relaxed text-graphite","children":"Want this same review on your actual documents? We do it free, with page citations you can verify."}],["$","a",null,{"href":"/start","className":"mt-3 inline-flex items-center gap-1 text-sm font-semibold text-signal hover:underline","children":["Get my free risk report"," →"]}]]}]]}],["$","p",null,{"className":"mt-6 text-sm leading-relaxed text-graphite","children":["Want a checklist tuned to your state?"," ",["$","$L3",null,{"href":"/checklists","className":"font-medium text-signal hover:underline","children":"Browse condo due-diligence checklists by state →"}]]}],["$","div",null,{"className":"my-stack-8","children":["$","div",null,{"className":"grid gap-5 md:grid-cols-2 md:gap-6","children":[["$","$L5","risk_intel",{"audience":"owner","path":"/condo-insurance-requirements","surface":"mid","variant":"large"}],["$","$L6","expert_match",{"classification":"$9","path":"/condo-insurance-requirements","pageTitle":"Condo Insurance Requirements","surface":"mid","variant":"large","dynamicOverride":"$undefined"}]]}]}],"$undefined"]}]}],["$","section",null,{"className":"bg-paper py-section","children":["$","div",null,{"className":"container-narrow","children":[["$","p",null,{"className":"text-xs font-semibold uppercase tracking-widest text-signal","children":"Related reading"}],["$","h2",null,{"className":"mt-3 text-2xl font-semibold text-ink","children":["Buyer and owner guides on ","condo insurance requirements"]}],["$","div",null,{"className":"mt-6 grid gap-3 md:grid-cols-2","children":[["$","$L3","hurricane-deductible-loss-assessment",{"href":"/articles/hurricane-deductible-loss-assessment","className":"flex h-full flex-col rounded-lg border border-ink/10 bg-white p-6 shadow-sm transition-all duration-200 hover:-translate-y-0.5 hover:border-signal/40 hover:shadow-md","children":[["$","h3",null,{"className":"text-lg font-semibold text-ink","children":"Hurricane Deductibles and Loss Assessments: Evaluate Your HO-6 Exposure"}],["$","p",null,{"className":"mt-2 line-clamp-2 text-sm text-graphite","children":"Master-policy hurricane deductibles can pass through to you as loss assessments. Understand how percentage deductibles work, how to calculate your real exposure, and what your HO-6 needs to actually cover."}]]}],["$","$L3","florida-sirs-explained",{"href":"/articles/florida-sirs-explained","className":"flex h-full flex-col rounded-lg border border-ink/10 bg-white p-6 shadow-sm transition-all duration-200 hover:-translate-y-0.5 hover:border-signal/40 hover:shadow-md","children":[["$","h3",null,{"className":"text-lg font-semibold text-ink","children":"Florida SIRS Explained: What Boards Must Fund and Disclose"}],["$","p",null,{"className":"mt-2 line-clamp-2 text-sm text-graphite","children":"The Structural Integrity Reserve Study is now mandatory for most Florida condo buildings. Understand what a SIRS must include, how it affects reserve funding requirements, and what boards must disclose to owners."}]]}],["$","$L3","milestone-inspection-condo-buyer-guide",{"href":"/articles/milestone-inspection-condo-buyer-guide","className":"flex h-full flex-col rounded-lg border border-ink/10 bg-white p-6 shadow-sm transition-all duration-200 hover:-translate-y-0.5 hover:border-signal/40 hover:shadow-md","children":[["$","h3",null,{"className":"text-lg font-semibold text-ink","children":"Milestone Inspection Buyer Guide: Reading the Report Before You Close"}],["$","p",null,{"className":"mt-2 line-clamp-2 text-sm text-graphite","children":"Understand what a Florida Milestone Inspection report discloses, what follow-up questions to ask the engineer, and how to evaluate the special assessment risk the findings imply."}]]}]]}]]}]}],["$","section",null,{"className":"bg-white py-section","children":["$","div",null,{"className":"container-narrow","children":[["$","p",null,{"className":"text-xs font-semibold uppercase tracking-widest text-signal","children":"Related risk areas"}],["$","h2",null,{"className":"mt-3 text-2xl font-semibold text-ink","children":"Read these next to round out your due diligence"}],["$","div",null,{"className":"mt-6 grid gap-3 md:grid-cols-2","children":[["$","$L3","insurance-risk",{"href":"/insurance-risk","className":"flex h-full flex-col rounded-lg border border-ink/10 bg-paper p-6 shadow-sm transition-all duration-200 hover:-translate-y-0.5 hover:border-signal/40 hover:shadow-md","children":[["$","h3",null,{"className":"text-lg font-semibold text-ink","children":"Insurance risk"}],["$","p",null,{"className":"mt-2 text-sm text-graphite","children":["The association's master insurance policy determines what your personal HO-6 policy needs to cover — and what it does not","."]}]]}],["$","$L3","special-assessments",{"href":"/special-assessments","className":"flex h-full flex-col rounded-lg border border-ink/10 bg-paper p-6 shadow-sm transition-all duration-200 hover:-translate-y-0.5 hover:border-signal/40 hover:shadow-md","children":[["$","h3",null,{"className":"text-lg font-semibold text-ink","children":"Special assessments"}],["$","p",null,{"className":"mt-2 text-sm text-graphite","children":["Special assessments are the single largest source of financial surprise in condo and HOA ownership","."]}]]}],["$","$L3","reserve-studies",{"href":"/reserve-studies","className":"flex h-full flex-col rounded-lg border border-ink/10 bg-paper p-6 shadow-sm transition-all duration-200 hover:-translate-y-0.5 hover:border-signal/40 hover:shadow-md","children":[["$","h3",null,{"className":"text-lg font-semibold text-ink","children":"Reserve studies"}],["$","p",null,{"className":"mt-2 text-sm text-graphite","children":["A reserve study tells you what the association expects to spend on long-term capital repairs and replacements, and whether it is funding those obligations adequately","."]}]]}]]}]]}]}],["$","section",null,{"className":"bg-paper py-section","children":["$","div",null,{"className":"container-narrow","children":[["$","p",null,{"className":"text-xs font-semibold uppercase tracking-widest text-signal","children":"By state"}],["$","h2",null,{"className":"mt-3 text-2xl font-semibold text-ink","children":["Condo Insurance Requirements"," — state-specific guidance"]}],["$","p",null,{"className":"mt-3 text-sm text-graphite","children":"The general framework on this page applies nationally. 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