Glossary

All-in coverage

A condo master policy type insuring the building plus each unit's interior finishes and owner upgrades, leaving mainly belongings and liability to the owner.

Also called: all-in master policy, all-inclusive master policy, all-in condo coverage

All-in coverage is the broadest type of condo master policy. The association's insurance covers the building and common areas, and also the fixtures, finishes and installations inside each unit, including improvements and betterments that owners have added since the building was built: upgraded cabinets, flooring, built-ins, a remodeled bath. It is also called all-inclusive. A narrower version, usually called single entity, insures the unit as originally built only.

After a covered loss, the association's insurer repairs the unit to its pre-loss condition, so you do not claim your remodel against your own HO-6 policy. You are still responsible for belongings, liability, loss of use while the unit is unlivable, and any share of the association's deductible that the governing documents pass to you. Say the master deductible is $10,000 and the documents assign it to the owner of the unit where the loss began (hypothetical): that is your bill, and loss assessment coverage coverage may help, depending on its wording.

Do not assume. Labels vary by association and by lender, and improvements can be a gray area. Ask for the master policy and the declaration, and compare with a bare-walls master. The master policy versus HO-6 guide gives a checklist.

Last reviewed October 10, 2026

In the index now

Related terms

Master policy The property and liability policy a condominium or homeowners association buys for the shared structure and common areas, paid for through dues. Bare walls coverage A condo master policy type that insures only the structure and common areas, leaving everything from the interior surfaces inward to the unit owner. Walls-in coverage Condo unit-owner coverage for everything from the interior wall surfaces inward, which is the part of the unit the association's master policy does not insure. HO-6 (unit-owners form) The condo owner's policy: it covers belongings, the parts of the unit the association's policy leaves to you, loss assessments, liability and loss of use. Loss assessment coverage Coverage for your share of a bill that a condo or homeowners association charges owners after a covered loss that its own insurance does not fully pay. Loss of use (Coverage D) Coverage that pays extra living costs or lost rent when a covered loss makes your home unfit to live in, such as hotel bills or a tenant's missed rent.

Related guides

Co-op apartment insurance Co-op shareholders insure improvements, belongings and liability, usually on an HO-6, while the corporation insures the building. Your lease sets the line. Condo master policies: what the association covers and what you cover How bare-walls, all-in and in-between master policies divide a condo between association and owner, who pays the master deductible, and what to ask for. HO-6 condo insurance explained: what it covers and how much you need What the HO-6 unit-owners form covers, how it fits with the association's master policy, how to size dwelling and loss assessment limits, and lender rules. Loss assessment coverage for HOA and condo owners Loss assessment coverage pays your share when an association bills owners after a covered loss. The standard forms stop at $1,000, often too little. Townhouse insurance: HO-3 or HO-6? Whether a townhouse needs an HO-3 or an HO-6 depends on who owns and insures the roof and walls, not on its style. Here is how to tell from your documents.