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.

Where this term matters

Home Insurance →Condo Insurance →

Tip

Glossary definitions are educational. Always check your own policy language — insurers can define common terms differently from one another. When in doubt, request a written explanation from your agent.

Related terms

Master Policy (Condo)The insurance policy maintained by a condominium association that covers the building exterior, common areas, and shared structures.Bare Walls-In CoverageThe most limited condo master policy type, covering only the building structure up to the drywall and leaving all interior finishes to unit owners.Single Entity CoverageA condo master policy type that covers the building plus original fixtures and built-ins in each unit as they were first constructed.HO-6 Policy (Condo)The standard condo unit-owner insurance policy, covering interior improvements, personal property, and liability.Loss Assessment CoverageCoverage that reimburses a condo or HOA member for their share of a special assessment levied after a major loss exceeds the master policy.

Related guides

Source: Cover Forge USA editorial team|Last verified: May 2026|Methodology
Definitions are educational and may be simplified. Always refer to your policy contract and consult a licensed agent for terms that affect coverage decisions.
CF

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 June 2026

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