These terms describe how far your master policy extends into individual units. Bare walls-in covers only the unfinished structure — walls, floors, and ceilings with no finishes. Single entity covers original fixtures and finishes as built by the developer. All-in covers everything including unit owner improvements and upgrades. Illinois condo declarations typically specify which type is required, and each approach creates different responsibilities for unit owners’ HO-6 policies. We help boards and property managers understand which type they have — and whether it’s the right fit.