{"id":15,"date":"2026-09-30T13:22:55","date_gmt":"2026-09-30T19:22:55","guid":{"rendered":"https:\/\/www.axshomeautoandmore.com\/blog\/?p=15"},"modified":"2026-09-28T13:50:15","modified_gmt":"2026-09-28T19:50:15","slug":"bare-walls-walls-in-or-all-in-decoding-your-hoas-policy","status":"publish","type":"post","link":"https:\/\/www.axshomeautoandmore.com\/blog\/bare-walls-walls-in-or-all-in-decoding-your-hoas-policy\/","title":{"rendered":"Bare Walls, Walls-In, or All-In? Decoding Your HOA’s Policy"},"content":{"rendered":"

Every condo association carries a master insurance policy, but not every master policy protects the same things. Three common terms describe how far an association’s coverage reaches into your unit. Knowing which one applies to your building tells you exactly what your own condo policy needs to pick up.<\/p>\n

The Three Terms, Defined<\/h2>\n
\nBare Walls<\/strong> (sometimes called “studs out”)<\/span><\/p>\n

The association covers the building’s structure and common areas. Nearly everything inside your unit, including drywall, flooring, cabinets, and fixtures, falls to you.<\/p>\n<\/div>\n

\nWalls-In<\/strong> (also called “original specifications”)<\/span><\/p>\n

The association covers the structure plus the interior as it was originally built. Anything you or a previous owner upgraded beyond that original finish is your responsibility.<\/p>\n<\/div>\n

\nAll-In<\/strong> (also called “all-inclusive”)<\/span><\/p>\n

The association covers the structure, original interior, and often later improvements. Your personal policy focuses mainly on belongings and liability.<\/p>\n<\/div>\n

What Always Stays With You<\/h2>\n

No matter which type your association uses, a few protections nearly always come from your own condo policy:<\/p>\n