{"schemaVersion":"ready-scan.discovery-surface.v1","id":"urn:readyscan:corpus:buyer-question:hoa-insurance-agency-q141443333-answer-991f9fa6d2fd7667f035","key":"buyer_question:hoa-insurance-agency-q141443333-answer-991f9fa6d2fd7667f035","kind":"buyer_question","slug":"hoa-insurance-agency-q141443333-answer-991f9fa6d2fd7667f035","canonicalUrl":"https://directory.readyscan.ai/corpus/buyer-question/hoa-insurance-agency-q141443333-answer-991f9fa6d2fd7667f035","machineUrl":"https://directory.readyscan.ai/discovery/corpus/buyer-question/hoa-insurance-agency-q141443333-answer-991f9fa6d2fd7667f035.json","datePublished":"2026-10-24","dateModified":"2026-10-24","materialFingerprint":"fnv1a64:81669ae44ec34079","membershipFingerprint":"fnv1a64:12576d10d27ced21","relatedEntitySlugs":["hoa-insurance-agency-q141443333"],"relatedSurfaceKeys":["buyer_question:hoa-insurance-agency-q141443333-answer-6b96bf45f01d3d4ade4b","buyer_question:hoa-insurance-agency-q141443333-answer-74cdc668dbb231de4041","buyer_question:hoa-insurance-agency-q141443333-answer-e62c3b7ce0e1c0b5fabb","evidence:hoa-insurance-agency-q141443333"],"sourceIds":["ready-scan-subjects"],"provenance":[{"snapshotId":"hoa-insurance-agency-q141443333-content-079b66432118eb84-snapshot","sourceId":"ready-scan-subjects","sourceRecordId":"Q141443333","sourceRevisionId":"Q141443333:content:d242f52cdaa13d83","sourceContentHash":"fnv1a64:750652c7e8c589c5","recordRevisionId":"Q141443333:content:d242f52cdaa13d83","recordContentHash":"fnv1a64:af3ac177d606ca24","sourceCanonicalUrl":"https://www.protectmyhoa.com/","sourceModifiedAt":"2026-10-24T05:15:49.429Z","observedOn":"2026-10-24","permission":{"basis":"public_information","evidenceUrl":"https://www.protectmyhoa.com/"},"attributionUrl":"https://www.protectmyhoa.com/"}],"quality":{"method":"same_kind_unique_trigram_floor","minimumUniqueTrigramRatio":0.3,"status":"passed"},"title":"If the association has a master policy, does an owner still need an HO-6?","summary":"Cited source answers across 1 active corpus record.","question":"If the association has a master policy, does an owner still need an HO-6?","answers":[{"entitySlug":"hoa-insurance-agency-q141443333","entityName":"HOA Insurance Agency","answer":"“An HO-6 can cover belongings, personal liability, loss assessment and portions of the unit that the association's master policy does not cover. The appropriate coverage depends on the master-policy form and governing documents, and lender requirements vary by lender and loan type.”","sourceUrls":["https://www.protectmyhoa.com/"]}]}