Your condo association's master policy covers the building structure and common areas — but it stops at your unit's walls. An HO-6 condo policy covers everything inside: drywall, flooring, cabinets, fixtures, personal property, liability, and loss assessment if the HOA passes a special charge after a major loss. On 30A, where condos at WaterColor, WaterSound, Sandestin, and Inlet Beach can run well into seven figures, the right HO-6 is essential.
What walls-in coverage actually means
After a covered loss — a burst pipe, a kitchen fire, a hurricane — your master policy rebuilds the building shell. Your HO-6 rebuilds your unit's interior to its pre-loss condition, including upgraded finishes, custom cabinetry, and built-ins.
Loss assessment — the coverage condo owners forget
If the master policy's deductible is $250,000 after a hurricane, that bill gets divided among unit owners. Loss assessment coverage on your HO-6 picks up your share. We routinely write $50,000 to $100,000 in loss assessment on 30A condos.
Rental use and short-term endorsements
If you rent your unit, you need an HO-6 that explicitly permits rental use, plus liability limits high enough to protect your equity. We structure these every day.