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Your condo association's master policy covers the building — but rarely everything inside your unit. An HO6 policy fills the gap: your interior finishes, cabinets and improvements, your personal belongings, loss assessment coverage, and your personal liability. We match your policy to your association's master deductible so you're not left exposed.
Typically everything from the drywall in — flooring, cabinets, built-ins, and appliances — plus your belongings and liability.
If the association bills unit owners for a covered loss that exceeds the master policy, loss assessment coverage pays your share up to your limit.
The master policy usually carries wind on the structure, but confirm your HO6 covers interior hurricane loss and matches the master's hurricane deductible.