HO-6 policies automatically include loss assessments coverage, which reimburse individual unit owners for amounts they must pay the association to reimburse the association for the deductible portion of losses.
HO-6 policies may also include “Special Coverage A”, covering losses to units and betterments installed by unit owners. This is the coverage that typically has a low deductible, and which reimburses the difference between its deductible and the association’s deductible when the unit owner is stuck with paying the associations deductible.