for condo owners
The gap between your unit and the master policy.
A condo is the one home where two policies meet inside your walls — the association's and your own HO-6. What falls to you is your belongings and often the interior you improved. Documenting it is how you find out exactly where that line sits before a claim tests it.
Your policy starts where the building's stops
A condo association's master policy typically covers the structure and common areas — but the line for what it covers inside your unit (bare walls, original fixtures, or improvements) varies by association. Your HO-6 policy fills the rest: your belongings, and often the interior finishes and upgrades. Documenting your contents is how you see what actually falls to you.
Improvements and betterments are yours to prove
Renovated kitchen, upgraded flooring, custom built-ins — if you paid for interior improvements, they're usually on your policy, not the association's. A walkthrough captures them with photo evidence and a value, so a claim reflects the unit you actually built out, not the developer's original.
The loss-assessment blind spot
The comparison here isolates your personal-property and interior coverage from the building's master policy — so you're checking your scanned total against the limit that's actually yours, not a whole-building figure that was never your responsibility.
Worth being direct about scope: exactly where your association's master policy stops and your HO-6 begins is set by your association's bylaws and declarations — read them, or ask your agent. This documents your contents and improvements with dated evidence; it doesn't interpret your specific master policy for you.