These terms describe how much of the physical structure the HOA’s master property policy covers — and directly impact what individual homeowners need in their own HO-6 policies:
Bare Walls-In: The master policy covers only the building’s structure to the bare drywall — studs, framing, roof, and exterior. Everything inside the unit (flooring, cabinets, fixtures, appliances) is the homeowner’s responsibility. Most common in older associations.
Single Entity (Original Spec): The master policy covers original fixtures, cabinets, flooring, and built-ins as originally installed by the developer. Homeowner upgrades and improvements are the owner’s responsibility.
All-In: The broadest form — the master policy covers everything in the unit including owner improvements and upgrades. Least common, but provides the most protection to homeowners.
Your CC&Rs dictate which type is required. We review your governing documents to ensure your policy structure matches your legal obligations — a mismatch is one of the most common and costly mistakes we find in HOA policies.
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