How do I know how much condo insurance to buy in Georgia?

It depends on what the HOA master policy covers. Georgia HOAs use two main master policy types: 'all-in' covers the original fixtures and appliances that came with the unit; 'bare walls' covers only the structural shell to the drywall. If your HOA is bare walls, your HO-6 needs to cover everything from the drywall in, including flooring, cabinets, and fixtures. If your HOA is all-in, you only need to cover personal property, upgrades, and loss assessment. We review your HOA declaration page at no charge.