Bare Walls-in

This would only cover the exterior structure of the building the condo owner is responsible for insuring all the interior contents in your home including appliances, personal belongings, bathroom & kitchen fixtures, flooring and  etc.. if there is a loss.

"All-in" or "Wall-in"

This policy will protect the exterior of the structure interior contents of the building with the exception of your personal property.

So,knowing which policy your HOA is very important before you purchase a condo policy.