TL;DR
- Six side-by-side HOA and condo insurance comparisons, each answering one specific coverage or placement question that comes up during a renewal, a lender review, or a claim.
- Every comparison links to the association-type or tool page that goes deeper, and each one is a starting point for a coverage-structure decision, not a substitute for reading your own declaration.
Comparison hub
Decision-stage briefings, side by side.
The six comparisons HOA boards, condo owners, and community association managers ask most. Each is a structured side-by-side: what each option actually covers, when each is the right fit, and what to check in your own governing documents before assuming one applies. Run the free Policy Checker afterward to see how your current program lines up.
Bare Walls vs All-In Coverage
How much of the interior does the master policy actually cover, and what is left for the unit owner?
For: Condo boards and unit owners reading the valuation-basis language in the declaration.
HO-6 vs Master Policy
Where does the association master policy stop and the unit owner’s own HO-6 policy have to pick up?
For: Unit owners and boards trying to close the gap between the two policies.
Self-Managed vs Professionally Managed HOA Insurance
How does the insurance program change when a board runs the association itself instead of hiring a management company?
For: Small self-managed HOA boards and associations evaluating a management company.
Admitted vs Surplus Lines Insurance
Why does an association end up placed in the surplus lines market instead of an admitted carrier, and what does that change?
For: Boards and CAMs facing a non-renewal or a hard-market placement.
Single-Entity vs All-In Coverage
What is the difference between covering the developer’s original finishes and covering every owner betterment on top of them?
For: Boards confirming which of the two upper valuation tiers their declaration actually specifies.
RCV vs ACV Property Valuation
How does the claim payout change when a policy settles on replacement cost versus actual cash value?
For: Boards and CAMs reviewing the valuation method on an aging building’s master policy.
Not sure which applies to you