Home & Property
All-In Coverage (Condo)
The broadest condo master policy type, covering the building plus all interior fixtures and improvements within each unit.
Last reviewed: May 2026 · Editorial methodology
Definition
All-in master policies (also called all-inclusive or open-perils-on-everything) cover not only the building exterior and common areas but also all fixtures, flooring, cabinets, and owner-installed improvements within each unit. Under a true all-in policy, unit owners may need only minimal Coverage A on their HO-6 because most structural and interior damage would be handled by the association's master policy. However, all-in does not cover the unit owner's personal belongings, which still require Coverage C on the HO-6. All-in master policies are more expensive for associations and therefore less common, though they are found in luxury condominium buildings and some resort communities. Unit owners in all-in buildings should still carry a robust HO-6 for personal property, personal liability, and loss-of-use coverage. Florida law changes following the Champlain Towers collapse in 2021 increased scrutiny of association reserve adequacy and indirectly affected the all-in master policy market.
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Cover Forge USA Editorial Team
Editorial Lead
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed 2026-06-14
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