Where this topic can change the final quote
Many quote comparisons begin with ho-3 quotes for a pud community. Price matters, but the comparison should also verify association coverage, master policy, and dwelling responsibility.
- Condo master policy and deductible.
- Walls-in responsibility under bylaws.
- Loss assessment limit and exclusions.
- Personal property, improvements, and betterments.
- Water backup and unit-owner liability.
Why it matters: Condo pages should send readers to the master policy, not only to a personal-property quote.
Questions for the agent or carrier
| Question | Why it matters |
|---|---|
| What does the master policy cover? | HO-6 limits depend on where association coverage stops. |
| Is loss assessment high enough? | Association deductibles can be large after storms. |
| Are improvements covered? | Upgrades inside the unit may need attention. |
| Does the lender require a specific HO-6 limit? | Mortgage closing can depend on evidence of coverage. |
Records that make the comparison cleaner
- Condo master policy certificate and association deductible information.
- Bylaw page explaining walls-in, betterments, and improvements.
- Lender HO-6 requirement for dwelling or loss assessment limits.
- Photos or receipts for upgrades inside the unit.