Your HOA's master policy typically covers the building's exterior, common areas, and depending on the CC&Rs either 'bare walls' or 'walls-in.' Your HO-6 personal condo policy fills the gap.
Read your HOA's declarations carefully. 'Bare walls' means everything from studs inward is yours — floors, cabinets, fixtures, drywall. 'Walls-in' means the HOA covers standard finishes and you cover upgrades and contents.
Loss assessment coverage is the underappreciated piece. If the HOA master has a $50K deductible and a covered loss exceeds the master limit, they assess members. Loss assessment endorsement on your HO-6 pays that assessment up to the limit you choose.
Water damage is the most common condo claim, and the source (your unit vs. neighbor's vs. common plumbing) determines whose policy responds. Always report both to your carrier and the HOA immediately.
Loss of use (Coverage D) pays for temporary housing while your unit is uninhabitable — often the difference between a manageable claim and a financial disaster.