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 Nevada, master policies vary significantly between urban towers and suburban complexes, so reading both documents together is essential.

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. 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. Nevada HOAs commonly carry $50k-$250k deductibles for earthquake and wind events. We recommend a limit that covers your pro-rata share of the master policy deductible-ask your board for that figure before selecting coverage.

Standard HO-6 policies exclude earthquake damage. Nevada sits along active fault systems (Walker Lane, Basin & Range) with real seismic risk. Even if your HOA carries earthquake insurance, high deductibles often trigger loss assessments. Separate earthquake coverage for your interior protects against shaking damage to walls-in, personal property, and building code upgrades required after seismic events.

Yes, but Nevada carriers often apply 1-5% wind/hail deductibles during monsoon season. Windstorm Deductible Buyback endorsements eliminate or reduce these deductibles. Damage from wind-driven objects (falling signs, debris) is typically covered under standard windstorm perils.

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. Nevada's seismic retrofit requirements make this coverage particularly valuable after earthquake losses.

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. Nevada's short-term rental popularity (Airbnb/VRBO) requires landlord forms that add loss of rents and reflect higher liability exposure. We'll ensure compliance with HOA rules and NRS regulations.

$300,000-$500,000 per occurrence is a common starting point on an HO-6. Nevada's tourism industry, short-term rentals, and visitor traffic increase slip-and-fall exposure. Consider a Personal Umbrella policy adding $1M-$5M above your HO-6 for comprehensive protection.