Buyer Education · FAQ
Last updated: June 2026
Quick Answer
Yes. Condo owners purchase an HO-6 policy, which covers the interior of the unit and personal property. The HOA's master policy covers the building structure and common areas. Understanding where one policy ends and the other begins is important — and gaps in coverage are common.
Related Questions
Most contracts provide an inspection period of roughly five to ten days after mutual acceptance, depending on how the contract is structured. Schedule specialists as soon as you're under contract so results arrive in time.
Read answerIt is most valuable for older homes, but it can still be worth considering if the home's age or the surrounding trees raise questions. Ask your inspector and agent for a recommendation specific to the property.
Read answerYou can ask, but sellers are not obligated to agree to everything. Prioritize safety, structure, water, and major systems, and be prepared to accept some cosmetic or minor items as they are.
Read answerWithin the first 90 days if possible, while the inspection report and seller disclosures are still fresh and any warranties on recent work are still active. Waiting longer makes it harder to sort out what's pre-existing versus new.
Read answerRelated Articles
A standard home inspection is a good start, but Seattle's older housing stock raises issues most buyers have never heard of — buried oil tanks, side sewer problems, unbolted foundations. Here is what to ask your inspector to look at, and how to read what comes back.
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Every buyer's guide stops at closing day. Almost nothing addresses the weeks right after — the utility setup, the homeowner tasks you didn't know you had, and the small decisions that are easiest to get right in the first 90 days and hardest to fix later.
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School district boundaries don't just determine where children go to school — they draw the invisible lines that separate premium-priced neighborhoods from comparable homes priced significantly lower just blocks away.
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