It depends on the type of master policy — and most unit owners don’t know which one their building carries until after a claim. A “bare walls-in” policy covers only the exterior and common areas, leaving everything inside your unit — flooring, fixtures, cabinets, and all improvements — your responsibility. A “single entity” policy covers original finishes but not upgrades you’ve made. An “all-in” policy is the broadest but still excludes your personal belongings and personal liability. Knowing which type your association carries is the first step in making sure your HO-6 coverage fills the right gaps.