P&CTexasmedium
A condo unit owner has an HO-6 policy. Which property interests does Coverage A under HO-6 insure?
AThe entire condo building structure including common areas
The unit owner's interior improvements and betterments to the unit
COnly the unit owner's personal property (furniture, clothing, electronics)
DThe land and foundation of the condo complex
Why this is the answer
In a condominium arrangement, the HOA master policy typically covers the building shell, common areas, and sometimes the original fixtures (bare walls-in or all-in). The individual condo unit owner's HO-6 fills the gap: Coverage A under HO-6 insures the owner's improvements and betterments to the unit interior — such as renovated kitchens, custom flooring, upgraded fixtures — that the HOA master policy may not cover. Coverage C covers the unit owner's personal property (contents) on a named-perils basis. Coverage E/F provide personal liability and medical payments.
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