1 · BoardReady digital kits Live
Organize your Condo insurance file with soft ops checklists — free sample or the full $29 Condo Owner Kit. National consumer products; not advice or brokerage.
Condo & HOA · educational guide · U.S.
Find the coverage gaps between your Condo unit, the master policy, flood & wind
The Coverage Gap Report helps Condo unit owners nationwide organize what the association covers, what you may need to insure personally, and which flood vs wind and assessment questions to ask a licensed agent — before you compare quotes.
BoardReady digital kits are live now. Licensed quote / referral partners are in application — no paid quote form on this page yet. Not insurance or legal advice.
FloodSmart · find a flood provider · Email when quote handoff is live
Two ways Coverage Gap helps Condo owners
We monetize carefully: digital education kits first, licensed referral partners when approved. No paid quote marketplace is live on this site yet.
2 · Consumer insurance referrals Partners pending
When a publisher or licensed-agency partner approves us, shoppers who want a quote can hand off to a comparison marketplace or COA Solutions of Florida (licensed agency) — with clear disclosure. Until then: FloodSmart education + email us for a heads-up.
Condo insurance checklist (unit owner)
Coverage gaps often hide in missing paperwork. Work this list into a single folder so quote conversations stay factual — and so you can spot where the master policy ends and your unit policy may need to begin. Rules and forms vary by state and association; treat this as an education checklist, not a state-specific mandate.
1 · Master policy file
- Current master / association certificate of insurance
- Named insured (association) and property address
- Building coverage limits & deductible summary
- Wind / storm / hurricane deductible (%, trigger) if applicable
- Whether flood is on the master — or explicitly not
2 · Your unit (HO-6 style) file
- Personal Condo policy declarations
- Dwelling / additions & alterations limit
- Personal property & liability limits
- Loss assessment coverage amount
- Water backup / sewer rider if you carry one
3 · Questions before you buy
- Walls-in vs walls-out — what must you insure?
- Ordinance / law or code-upgrade exposure
- Assessment history (last 3–5 years)
- Special assessment vs insurance claim path
- Agent licensed in your state for Condo / HOA?
Flood vs wind — a common Condo coverage gap
Flood and wind are usually different coverages, forms, and claims paths. The master policy may not answer both the way a unit owner hopes — that mismatch is one of the gaps this report is built to surface. Coastal and storm-exposed markets (for example Florida) often make the split especially visible — but the checklist applies nationwide.
Flood Typically separate
Flood is often written through NFIP or private flood markets, not as a free add-on inside a standard wind package. Ask whether the association master carries flood on the building — and what that means for your unit’s interior and belongings.
- Is there a master flood policy? Limits?
- Do you need personal flood for contents / improvements?
- Elevation / zone docs the agent may request
Trustworthy starting point (non-affiliate): FloodSmart.gov · Find a flood insurance provider
Wind Often on property forms
Wind and storm exposure is frequently handled through property forms with percentage deductibles and specific triggers (including named-storm / hurricane where used). Confirm what the master covers for the building versus what your unit policy must pick up.
- Storm / hurricane / named-storm deductible on master (if any)
- Your unit deductible and any wind exclusion
- How assessments after a wind event might work
HOA / Condo assessment questions
Special assessments after storms or other losses, reserves pressure, and insurance shortfalls can leave owners paying for gaps they did not see coming. These prompts help you ask the association and your agent clearer questions — they are not legal interpretations of any state’s statutes.
Ask the board / manager
- Recent or planned special assessments?
- Insurance deductibles the association must fund?
- Reserve study timing (high level only)
- How owners receive master policy certificates
Ask your agent
- Loss assessment coverage — enough for your risk?
- What assessments typically are / aren’t covered
- Gap between master limits and repair reality
- Documents to bring to a quote appointment
Organize before you shop
A tidy Condo insurance file speeds every quote call. BoardReady’s free sample and $29 Condo Owner Kit are soft ops tools — checklists and file structure, not advice or brokerage.
Read the full guide: special assessments and HO-6 loss assessment coverage →
Owner Q list: what to ask before you write the special assessment check →
Next steps (soft & honest)
Start with the free Condo checklist, then use FloodSmart for flood-provider education. Quote marketplace partners are still in application — if you want a heads-up when a licensed handoff is live, email us. Until then, talk with a licensed agent in your state.
FloodSmart.gov is free NFIP consumer education (not an affiliate). No paid quote form is live on this site yet.
BoardReady Condo kits — buy the digital product
Primary soft monetization today: BoardReady Owner free sample + $29 Condo Owner Kit on Gumroad (national). Use alongside — not instead of — a licensed agent in your state. Quote referral partners are still pending approval.
Guides
Plain-language deep dives for Condo unit owners. Education only — verify with your governing documents and a licensed agent.
Condo HO-6 vs master policy: what usually sits where
Bare walls vs walls-in vs all-in master forms, loss assessment, water damage between units, improvements, documents to gather, and questions for a licensed agent.
Flood vs wind for Condo owners: what HO-6, the master policy, and NFIP usually cover
Why flood and wind are usually separate, how master, HO-6, and NFIP or private flood policies split storm damage, percentage storm deductibles, storm surge and wind-driven rain, and questions for your agent and board.
Condo special assessments after a loss: how HO-6 loss assessment coverage usually works
Why associations assess owners after a loss, how loss assessment coverage on an HO-6 usually responds, limits and endorsements, master-deductible assessments, what it often won’t pay, and questions for your agent and association.
Condo water damage: who pays — the association, you, or your neighbor?
Leaks from the unit above vs a common pipe vs your own appliance, how governing documents assign responsibility, master deductible chargebacks, HO-6 coverage roles, backup, flood and gradual-leak exclusions, and what to do after a leak.
Condo hurricane and named-storm deductibles: who pays, and how HO-6 loss assessment can help
How percentage storm deductibles are calculated and triggered, how associations fund and allocate the master deductible, your own HO-6 storm deductible, where loss assessment coverage helps, and what to check before storm season.
Condo special assessment questions: what to ask your board, manager, and agent before you write the check
Practical owner questions before and after a special assessment: dues vs assessment, insurance-related triggers, allocation, reserves, documents to request, board and HO-6 agent Qs, red flags, and a checklist — distinct from loss assessment coverage.
Condo insurance before you buy: documents and questions for the closing file
For buyers under contract: master policy certificate and deductibles to request, lender and board proof-of-insurance patterns, when to bind your HO-6, flood vs wind questions, red flags, and a closing-file checklist.
Condo loss of use and additional living expenses (ALE): what HO-6 usually covers after a covered loss
When a covered loss makes your unit uninhabitable: how HO-6 loss of use / ALE usually works, what counts as extra expense, limits and time caps, why the master policy rarely pays the hotel, flood vs wind gaps, and a claim-file checklist.
How much HO-6 dwelling (Coverage A / walls-in) coverage does a Condo owner need?
Bare walls vs walls-in vs all-in master forms, reading the master certificate and declaration, estimating interior finish and betterment replacement cost, loss assessment and deductible tie-ins, and questions for a licensed agent.
Renting out your Condo: how HO-6 and landlord unit-owner coverage usually change
For owners who lease, rent seasonally, or list on short-term platforms: owner-occupied vs rental forms, loss of rents, landlord liability, short-term rental gaps, tenant renters insurance, and association leasing rules.
How to file a Condo unit-owner insurance claim: a step-by-step checklist
After water, storm, or fire damage: stop the damage, notify the association and your insurer, document everything, work with the adjuster, and sort out master vs HO-6 coverage and deductibles.
Condo owner personal liability: what HO-6 liability usually covers, and when an umbrella makes sense
Who protects you if a guest is hurt in your unit or your water damages a neighbor: HO-6 personal liability vs the association’s policy, rental and dog gaps, choosing a limit, and umbrellas.
Renovating your Condo unit: the insurance questions to settle before the contractor starts
Owner upgrades the master policy may not cover, updating HO-6 dwelling coverage, contractor certificates of insurance, association approval, and leaks during construction.
FAQ — Coverage Gap Report
Short answers for Condo unit owners. Always verify with your documents and a licensed agent in your state.
What is the Coverage Gap Report?
An educational Condo & HOA insurance guide that helps unit owners spot mismatches between master policy, unit (often HO-6 style) coverage, flood vs wind, and assessment exposure — then prepare clearer questions for a licensed agent. This site is not an agency or broker.
Does the Condo master policy cover my unit?
It depends on the association’s form (including walls-in vs walls-out practice) and your own policy — practice also varies by state and association documents. Pull the certificate and ask your agent what you must insure personally — don’t assume.
Is flood included with wind coverage on a Condo?
Usually not automatically. Flood and wind are often separate. Confirm master flood status and whether you need personal flood for contents or improvements. See FloodSmart.gov for consumer education.
Can insurance pay my HOA special assessment?
Sometimes loss-assessment coverage on a unit policy applies; often assessments are partly or fully the owner’s responsibility. Ask your agent what your specific form says — this site does not interpret your policy.
What’s the difference between this site and BoardReady?
Coverage Gap Report is free Condo insurance education on this domain. BoardReady Owner (free sample and $29 Condo kit) is an optional soft ops product to organize your insurance file — not advice or brokerage.
Is this only for Florida?
No. The checklists and questions are written for Condo unit owners across the U.S. Coastal examples (including Florida storm / hurricane deductibles) appear where they help illustrate flood vs wind gaps — always confirm local forms and a licensed agent in your state.