Anyone here well-versed in condo/HOA insurance (HOA master policy vs HO-6)? I’m trying to see if there’s a way I can find out the states that requires the association to be primary insurance. Thank you in advance 😊

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For a condo, the HOA will have a master policy that will cover the outside, common areas and things like that. But each owner of a condo has to have their own policy to cover their unit. An HO6 policy will cover from the studs out. Hope this helps!

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What state is the association in? In Wi, the policy applies based on what the bylaws state. Verbiage in bylaws can vary greatly, but some has been tried in a court of law. IL is different, I think all bylaws are standard there.

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