The association's master policy covers the building structure, common areas, and shared systems-but it stops at your unit's walls (or at the original interior finishes, depending on the policy type). Your HO-6 fills the gap: it covers your interior walls-in, personal property, personal liability, and additional living expenses after a covered loss. In Arkansas, master policies and bylaws vary considerably between complexes, so reading both documents together is the only way to know exactly where the association's coverage ends and yours must begin.

The answer is in two documents: the master policy certificate and the insurance section of your condo bylaws or master deed. A bare-walls (studs-out) policy covers the structure up to the unfinished interior surface-drywall, flooring, cabinets, and fixtures are your responsibility. An all-in (single-entity) policy covers standard original finishes too, leaving you responsible only for upgrades and personal property. A modified all-in sits in between, with specific carve-outs. We'll read these documents with you and size your Coverage A accordingly.

Loss Assessment coverage pays your share of a special assessment levied by the HOA after a covered loss that exceeds the master policy's limits or triggers its deductible. For example, if hail damages the roof and the master policy deductible is $50,000, the association may spread that cost among unit owners-your Loss Assessment coverage absorbs your portion up to your chosen limit. In Arkansas, many associations carry higher deductibles and face weather-related losses, so we typically recommend a limit that at minimum matches the master policy deductible. Ask your board or property manager for that figure before selecting a limit.

Water backup from drains, sewers, or sump pump overflow is excluded from most standard HO-6 policies but can be added as an endorsement. Arkansas’s severe thunderstorms and tornadoes mean heavy rain and flooding risks are high, and units on lower levels face meaningfully higher exposure. Water damage from a backed-up drain can affect your unit even if your own plumbing is in good shape. We recommend higher sub-limits for lower-level units and for buildings in storm-prone areas. Note that water backup is separate from flood-flood requires its own NFIP or private policy.

Standard HO-6 covers wind/hail, but many carriers apply 1-5% wind/hail deductibles in Arkansas. Ask about wind mitigation credits or deductible buyback endorsements to reduce out-of-pocket costs after a storm. Severe weather is common statewide, so confirming your wind coverage details is essential.

When a covered loss triggers repairs to your unit's interior, local building codes may require upgrades beyond simply restoring what was there before-updated wiring, plumbing to current code, or accessibility requirements. Ordinance or Law coverage pays the cost of those code-mandated upgrades. In Arkansas, where development spans decades, this endorsement can make a material difference in what you recover after a loss. It should be on every HO-6.

Not adequately. A standard HO-6 is written for owner-occupants; once a tenant moves in, coverage gaps open up-particularly around liability and loss of rental income. We'll rewrite the policy on the appropriate landlord or condo-landlord form, which adds loss of rents coverage and reflects the correct liability exposure. Arkansas requires minimum liability limits for rental properties; we'll align your policy with those requirements and issue certificates as needed.

$300,000-$500,000 per occurrence is a common starting point on an HO-6. If you host guests regularly, own a dog, rent the unit, or have significant assets to protect, consider a Personal Umbrella policy that adds $1M-$10M of liability protection above your HO-6 and other underlying policies. The umbrella is typically modest in cost relative to the additional protection it provides.