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.

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.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.All-In Coverage (Condo)The broadest condo master policy type, covering the building plus all interior fixtures and improvements within each unit.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

Get Insurance Updates

Occasional updates on insurance rules, coverage changes and new guides — and ways to save.

  • ✓State-specific insurance rule changes
  • ✓Seasonal enrollment deadline reminders
  • ✓Expert tips to lower your premiums
  • ✓New coverage options in your state

Free forever. Unsubscribe with one click. No spam, ever.

Important Disclaimer

This site provides general educational information only and is not a substitute for professional insurance advice. All rates, data, and coverage details are estimates and may not reflect your actual premiums. Insurance availability and pricing vary by state, insurer, and individual risk factors. Always consult a licensed insurance professional in your state before making coverage decisions.

← Back to Insurance Glossary (355 terms)