> ## Documentation Index
> Fetch the complete documentation index at: https://docs.pylon.mortgage/llms.txt
> Use this file to discover all available pages before exploring further.

# HO-6 Walls-In Condo Insurance Policy

> Provide the unit's HO-6 walls-in condo policy to confirm interior coverage where the master policy does not fully cover unit interiors.

## What this task is

This task collects the **HO-6 "walls-in" condo insurance policy** for a condominium unit.
Unlike the condo association's master policy, an HO-6 policy:

* Typically covers **interior finishes, fixtures, and personal property**, and
* May provide **loss assessment** coverage for certain association-level claims.

The policy is specific to the **individual condo unit** rather than the entire building or project.

## When this task is required

This task is required when:

* The subject property is a **condominium**, and
* The condo master policy **does not fully cover interior unit elements**, or guidelines otherwise require **separate HO-6 coverage**.

This is commonly seen when:

* The association policy provides only **bare walls** or **shell coverage**, and
* Borrowers must carry their own interior coverage to meet **program and investor standards**.

## Why this task is required

Lenders need to confirm that the **collateral is fully insurable**, including:

* The **structure and common elements** (via the master policy), and
* The **unit interior** (via the HO-6 policy).

The HO-6 policy:

* Protects the borrower and lender against **loss or damage to the interior of the unit**.
* Ensures that **minimum coverage levels and deductibles** meet program guidelines.
* Helps validate that the borrower's total **insurance costs** are properly reflected in **PITIA** when required.

Without the HO-6 documentation, there may be **coverage gaps** that increase risk or violate **agency, investor, or lender requirements** for condo loans.

## Documents needed to resolve this task

To satisfy this task, provide:

* The **current HO-6 condo insurance policy or declarations page** for the unit:
  * Showing **unit address**, **policy period**, **coverage limits**, and **deductibles**.
  * Identifying the **named insured** and the **insurance carrier**.
* If applicable, any **endorsements or riders** that expand or limit coverage (for example, special coverage for improvements or assessments).

These documents allow the underwriter to confirm that the condo unit is **appropriately insured from the walls in**, consistent with guidelines.