Condominium master policy
Buildings and common areas
Explore coverageUnderstand what each coverage does
Options, limits, exclusions and deductibles depend on the policy and insurer. A list of hazards does not mean every hazard is automatically covered.
Hurricane, flood and earthquake
Risks that need a specific review
Explore coverageGeneral liability
Claims involving the association
Explore coverageDirectors and officers (D&O)
Board decisions
Explore coverageFrequently asked questions
Does the master policy replace my HO-6 insurance?
Not necessarily. An association master policy and a unit owner’s individual insurance have different scopes. Review both policies and condominium documents to identify responsibilities, limits and potential gaps.
Does every policy include flood and earthquake?
No. These risks may need separate policies or endorsements, have special conditions or be excluded. Confirm coverage in writing.
What should I prepare for a review?
Your current policy with endorsements, insured values and condominium documents may help. The agency will explain what is needed and how to share it appropriately.
Does a quote guarantee coverage or financing approval?
No. Policy issuance and terms depend on the insurer. Eligibility for a financing program is determined by the relevant entity or program.