These terms describe how much of the physical structure the HOA’s master property policy covers, and they directly affect 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, meaning 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, in which 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, since a mismatch is one of the most common and costly mistakes we find in HOA policies.
Related FAQs
It describes how far the master policy reaches into a unit. That determination guides what each owner’s HO6 policy should pick up, and we can help the board explain ...
Associations handle member funds and reserves. Crime and fidelity coverage may help protect those funds against theft or dishonesty.
Volunteer board members can face claims over governance decisions. D&O liability may help protect them and the association in those situations.
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