HOA Master ins and owner ins usually cover different items.

you may need ask HOA what the master ins cover. 

In general, master ins only cover wall out (from outside to sheetrock). Owner need cover wall in (from paint), floor covering (carpet), kitchen cabinet) and all appliances. 

and owner ins may cover owner liability as well. If you do not have other liability ins cover. This is important. 

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• 谢谢秋月妹妹！ -南京梅花- ♀ (169 bytes) () 09/03/2017 postreply 20:28:46