How does my HOA master policy affect my homeowners coverage in Suwanee?

Suwanee is home to several highly valued master-planned communities including The River Club, Olde Atlanta Club, and Settles Bridge. These communities have HOA master policies that vary significantly in what they cover. Bare-walls HOA policies cover only the structural shell, requiring unit owners to carry full walls-in coverage for flooring, cabinets, fixtures, and improvements. All-in policies cover original finishes but may not cover renovations you made after purchase. Getting this wrong creates either expensive duplicate coverage or a gap that matters after a claim. We review the HOA master policy documents for every Suwanee homeowner we serve before recommending coverage levels.