Home & Property
Bare Walls-In Coverage
The most limited condo master policy type, covering only the building structure up to the drywall and leaving all interior finishes to unit owners.
Last reviewed: May 2026 · Editorial methodology
Definition
Bare walls-in (also called studs-out) master policies cover the structural components of the condo building — foundation, framing, exterior walls, roof, and shared systems — but stop at the unfinished interior surfaces of each unit. Flooring, cabinets, countertops, fixtures, appliances, and any improvements within the unit are the unit owner's sole responsibility and must be covered under the HO-6 policy. This means unit owners with bare-walls-in master policies need the highest Coverage A (dwelling) limits on their individual policies. Bare-walls-in coverage is common in older condo associations, budget-oriented buildings, and associations trying to keep dues low. After a kitchen fire, a unit owner in a bare-walls-in building could face $50,000–$150,000 in interior rebuild costs that the master policy won't touch. Carefully reading the association's governing documents or requesting the master policy declarations page reveals which type applies.
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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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