California: condo master policy and HO-6 gap

California does not prescribe by statute what a condominium master policy must cover. Civil Code § 4775(a)(3) puts responsibility for repairing, replacing and maintaining each separate interest on its owner 'unless otherwise provided in the declaration', while the association stays responsible for the common area. Whether the association's policy includes interior surfaces ('walls-in') comes from the governing documents and the policy itself — check your CC&Rs and the association's current policy documents before relying on the walls-in limit you enter here.

Source: https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=CIV&sectionNum=4775. · checked 2026-10-17

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