South Boston Condo Master Insurance

🏙️ South Boston Condo Master Insurance: What Every Condo Owner Needs to Know

If you own a condo in South Boston, MA, having the right insurance coverage is essential to protect your property and your investment. Many condo owners are unaware that their condo association’s master insurance policy plays a major role in what’s covered—and what’s not.

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Your South Boston condo master policy is purchased by the condo association to protect the building’s structure, shared areas, and liability. As an individual owner, your personal HO-6 condo insurance policy covers what the master policy does not—mainly the interior of your unit and your personal belongings.

Together, these two policies ensure full protection for your condo in the event of a fire, storm, burst pipe, or lawsuit.

🏢 What the South Boston Condo Master Policy Covers

Each condo association’s master policy can vary depending on its bylaws, but most include both property and liability coverage for the entire building.

Typical coverage includes:

• Building exteriors: Roofs, siding, walls, and foundations.

• Common areas: Hallways, lobbies, stairwells, elevators, and recreation rooms.

• Liability protection: Covers legal and medical expenses if someone is injured in a shared area.

• Built-in fixtures: Common area lighting, HVAC systems, or built-in appliances.

This master condo policy ensures the South Boston Condo Association and its owners are protected against damages or lawsuits involving shared property or common areas.

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🧾 Types of South Boston Condo Master Policies

Not all master policies offer the same level of protection. What’s covered inside your individual unit depends on which type your South Boston condominium association has purchased.

1. Bare Walls-In (Studs-Out) Policy

• Covers only the structure of the building, including framing, wiring, and plumbing.

• Does not include the inside of your condo (drywall, flooring, or fixtures).

• You’ll need your own HO-6 policy to cover everything from the drywall inward.

2. All-In (Studs-In) Policy

• The most comprehensive option.

• Covers both the building exterior and the interior of units as originally built.

• Does not include upgrades or renovations—those require separate HO-6 coverage.

3. Single Entity or Special Entity Policy

• A middle-ground option that varies by association.

• Often includes standard fixtures but excludes individual improvements.

🏠 Why Every South Boston Condo Owner Needs an HO-6 Policy

Even if your building has a strong master insurance policy, every condo owner in South Boston should carry their own HO-6 condo insurance.

This individual policy provides coverage where the master policy stops, including:

• Interior coverage: Protects upgrades, custom finishes, and fixtures inside your unit.

• Personal belongings: Furniture, electronics, clothing, and valuables.

• Personal liability: Protects you if someone is injured inside your unit.

• Loss assessment: Covers your share of the condo association’s deductible or uncovered loss.

Without an HO-6 policy, you could be left paying out of pocket for damage inside your condo—or even for part of a building-wide claim.

🌆 Protecting Your South Boston Condo Investment

Owning a condo in South Boston is a major investment, and the right combination of master condo insurance and personal HO-6 coverage ensures total peace of mind.

Call us or click for a Quote before renewing your policy or purchasing a new condo! We at Savin Jones Insurance can Save up to 40% on your Master Condo Insurance policy!

Whether you live near Broadway, West Broadway, or the Seaport District, having the right insurance protection keeps your home and your finances secure.

Protect Your Condo Association with the Right Coverage

Don’t leave your condominium exposed to unnecessary risk. Let Savin Jones Insurance help you secure the right protection with A-rated insurance carriers and highly competitive pricing.We offer consistent renewal history, avoiding the huge spikes other companies impose. Our renewal history shows less than 4% average annual increases, keeping costs stable long term.!

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📞 Contact us today (617) 474-9900 today to discuss your Condo Association Master Insurance Policy in Boston, MA, and learn how we can help you Save up to 40% on your Master Condo Insurance policy.