Your Home
Condo HO-6 Gap Check
What your association's master policy leaves to you — deductible assessments and interior finishes.
Calibrate
Drag to set each value — estimates are fine.
Ask your association or check the master policy declarations. "Walls-in" is used loosely for both — the question is whether the original cabinets, floors and fixtures are the association's to insure or yours.
Coverage A on your HO-6 — pays for interior finishes and improvements.
Often $10k–$100k+; associations increasingly carry large wind/hail percentage deductibles.
The endorsement that pays when the association assesses owners for a covered loss.
On standard HO-6 forms, loss-assessment coverage pays no more than a small fixed sum — commonly $1,000 — toward an assessment that arises from the master policy deductible, whatever the loss-assessment limit says. An endorsement can lift that cap; until it is confirmed, the cap is applied here.
ICC Team
Insurance Confidence Center
A number is a starting point. Walking through what it means for your actual policy is the part that changes anything.
What this means for you
Get a plain-English summary of your reading.
Levers that move this
- Association master policy type
- Your HO-6 dwelling / betterments limit
- Master policy deductible, if known
- Do you carry loss-assessment coverage?
- Loss-assessment limit, if known
- Is the deductible-assessment cap lifted by endorsement?
Drag these dials above to see the effect instantly.
Get the full write-up
The assumptions behind the figure, the method, and the disclosures that go with it.