If a condo building burns down, is the HOA 100% responsible for rebuilding it?

Not automatically. The answer lives in two insurance policies: the HOA's master policy and your own HO-6. The HOA carries a master policy, and how much it covers depends on which type it is: - A single-entity or all-in master policy covers the whole structure, including interior finishes like drywall, cabinets, countertops, and fixtures. - A bare-walls master policy covers the building structure only up to the drywall. Your finishes, flooring, and personal property are on you. That gap is exactly what an individual HO-6 condo policy exists to fill. So whether the HOA is fully responsible for rebuilding your unit's interior depends entirely on what that specific association's master policy says. Before you buy a condo, get the HOA's master policy declarations and read what it does and does not cover, then size your HO-6 to fill the gap, including loss assessment coverage in case the HOA passes a shortfall on to owners. Association policies vary, so confirm the specifics with the HOA and a licensed insurance agent before you close.