Your HOA's master policy stops somewhere in the drywall — the master deed decides exactly where. An HO6 covers everything on your side of that line, plus the loss assessments HOAs love to pass down.
The Coverages.
Dwelling (Walls-In)
Cabinets, counters, floors, fixtures and any upgrade the master policy calls 'improvements.' Read your docs — or tell the concierge and we'll size it right.
Loss Assessment
When the master policy's deductible or a shortfall gets divided among owners, this pays your share.
Contents & Liability
Same worldwide contents and personal liability protection a homeowner gets.
Water Damage
The single most common condo claim — a neighbor's supply line fails and gravity does the rest.
Read the master deed once
All-in, single-entity, or bare-walls — the master policy type decides how much dwelling coverage you actually need. Guess low and a kitchen fire is your problem; guess high and you're paying for the HOA's insurance twice.
Assessments are the sleeper risk
A hail event that consumes the master policy's 5% deductible can turn into a five-figure special assessment per unit. Loss-assessment coverage is the cheapest way to cap that.
One intake, every carrier with appetite, live tracking, one-click bind. $0 to shop.
Start My Quote How It Works"The concierge read my HOA docs with me and sized walls-in coverage in ten minutes. Nobody's ever done that."
— M. Okafor, Denver — verified orderWhat The Fleet
Checks.
Master Deed Mapping
All-in vs bare-walls decides your real Coverage A; the intake asks once and every carrier rates consistently.
Assessment Sizing
Loss-assessment limits are quoted at multiple rungs — cheap insurance against special assessments.
Water Story
Unit location and plumbing age drive condo pricing; the fleet answers those portal questions uniformly.
The Discounts
That Matter.
Auto Bundle
Same household mechanics as home — carriers discount both sides.
Protective Devices
Building sprinklers, monitored alarms and leak sensors all credit.
Claims-Free
Clean history matters double in buildings where water claims travel.
Association Master Match
Sizing walls-in correctly to your master policy type avoids paying for coverage the HOA already carries.
The Vocabulary.
How much walls-in coverage do I need?
Enough to rebuild your interior at contractor prices — for most units, $50k–$100k. The concierge can walk your master deed type in two minutes.
Is my condo rented out?
Then you need a different form — tell us it's tenant-occupied and we'll quote it correctly as an investment unit.
Go Deeper.
The Learn Hub
Deductibles, liability limits and renewal strategy, decoded in plain English.
// BUNDLEBundle & Save
Price the whole household in one order — bundled and split, side by side.
// PROMISEThe Pearl Guarantee
Accurate at bind, on time or escalated, claims-day advocacy.
// MACHINEHow It Works
The algorithm, the fleet, and the Buy Box — with the audit trail.