Condo Insurance (HO-6) in San Diego: What Your HOA Master Policy Doesn’t Cover

If you own a condo or townhome in San Diego, you probably pay HOA dues that include a master insurance policy. Many owners assume that policy protects their unit. Usually it doesn’t — at least not all of it. Condo insurance in San Diego, sold as an HO-6 policy, exists to fill the gap between what the association insures and what you’re on the hook for.

That gap has grown. Master policy premiums and deductibles have climbed across California, and associations are passing more risk back to owners. This guide covers the three types of master policy, what an HO-6 covers, what it costs in 2026, and the San Diego-specific risks — earthquake, flood and wildfire — that neither policy handles by default.

All figures are based on publicly available information as of September 2026, and rates, rules and programs can change. Check current details with your insurer, your HOA and the sources listed at the end.

Quick Answer
Your HOA master policy generally covers the building structure and common areas, not your belongings, your personal liability, your temporary housing costs or, in many buildings, the interior finishes of your unit. An HO-6 policy covers those items, plus “loss assessments” when the HOA bills owners for a shared loss. Earthquake and flood are excluded from standard HO-6 policies and need separate coverage. Published averages for California HO-6 premiums range from about $653 to $767 a year depending on the data source, and one aggregator puts San Diego at $808. Your own HOA documents decide how much coverage makes sense, and a licensed agent can tell you what applies to your unit.

What HO-6 Condo Insurance Is and How It Fits With Your HOA Policy

Think of a condo building as two layers of ownership. The association owns and insures the shared structure — roof, exterior walls, hallways, pools, parking garages. You own your unit and, depending on your governing documents, some or all of what’s inside it.

The California Department of Insurance describes condo unit-owners insurance as covering personal property, loss of use, personal liability and medical payments to others, plus damage to the unit’s interior and any improvements the owner must maintain under the association’s rules. CDI also notes that the association generally insures the building structure and common areas, and urges owners to review what type of insurance their association carries.

The six standard parts of an HO-6

Most HO-6 policies are built from the same blocks:

• Coverage A (building property or “dwelling”): interior walls, flooring, cabinets, fixtures and upgrades that you’re responsible for.
• Coverage C (personal property): furniture, clothes, electronics and other belongings.
• Coverage D (loss of use): extra living costs if a covered loss makes your unit unlivable. CDI says this is generally limited to 40% of your personal property limit.
• Personal liability: protection if someone is hurt in your unit or you damage a neighbor’s property. Hill & Usher, an insurance agency that publishes form definitions, lists a basic limit of $100,000 per occurrence that can be raised.
• Medical payments to others: small, no-fault medical bills for guests.
• Loss assessment: your share of certain bills the HOA charges owners after a loss to common property.

Who needs one

California law doesn’t require individual owners to carry an HO-6. Your lender almost certainly will, though, and your CC&Rs may too. Owners who paid cash still carry the same exposure to interior damage, liability claims and assessments, which is why many choose to insure anyway.

One wrinkle matters in a military town. Hill & Usher’s form summary notes that a standard HO-6 is designed for owner-occupants and can’t be used on its own to insure a unit rented to others; a “rental to others” endorsement adds that coverage. If you rent out your condo after PCS orders, or list it as a short-term rental near the beach, tell your insurer before the first tenant moves in.

Bare Walls, Single Entity or All-In: The Three Types of HOA Master Policy

The single most important fact about your HO-6 is one that lives in someone else’s policy: how far the master policy reaches into your unit. California brokers and aggregators describe three common structures.

Master policy type	What the HOA policy usually covers	What typically falls to your HO-6
Bare walls (walls-in)	Structure, roof, exterior walls, common areas — stops at unfinished interior surfaces	Drywall, flooring, cabinets, countertops, fixtures, built-in appliances, all upgrades, belongings, liability, loss of use
Single entity (original specs)	Structure plus interior finishes as originally built by the developer	Upgrades and improvements beyond original specs, belongings, liability, loss of use
All-in (all-inclusive)	Structure plus interior finishes, including owner improvements	Belongings, liability, loss of use, loss assessment, master deductible share

Even under an all-in policy, your HO-6 still carries belongings, liability and loss of use. What changes is how much Coverage A you need.

How to find out which one you have

California makes this easier than many states. Under Civil Code Section 5300, your association must send an annual budget report 30 to 90 days before the end of its fiscal year. That report must include a summary of the association’s property, general liability, earthquake, flood and fidelity insurance, listing for each policy the insurer, type of coverage, limit and deductible.

The same statute requires a boldface notice telling members they can review the association’s full policies on request. It also warns, in plain terms, that the association’s insurance may not cover your personal property or improvements, and that you may have to pay part of any deductible even when a loss is covered.

Many owners never read that notice. It’s worth pulling out this year’s budget packet and finding it. If the summary doesn’t say whether the policy is bare walls, single entity or all-in, ask your management company for the master policy’s declarations page and the CC&R section that defines the unit boundary.

What Your HOA Master Policy Doesn’t Cover

Even the most generous master policy leaves gaps. These are the ones San Diego owners run into most often.

Your belongings and your liability

No master policy insures your sofa, laptop or bike in the storage cage. It also won’t defend you if a guest trips on your balcony or water from your dishwasher ruins the unit below. Those are personal exposures, and they belong on your own policy.

Interior repairs you’re legally responsible for

California’s default maintenance rule is in Civil Code Section 4775. Unless your CC&Rs say otherwise, the association repairs, replaces and maintains the common area, and each owner repairs, replaces and maintains their own unit (the “separate interest”). The section also makes the association responsible, by default, for restoring interrupted gas, heat, water or electrical service that begins in the common area, even if the problem extends into a unit.

The phrase “unless otherwise provided in the declaration” appears throughout the section. Your CC&Rs can shift these duties, which is why two condos on the same street can have very different insurance needs.

Temporary housing during HOA repairs

This one surprises people. Civil Code Section 4775 says the cost of temporary relocation during repairs to areas the association is responsible for is borne by the owner of the affected unit. Loss of use coverage generally responds when a covered loss makes your home unfit to live in. Relocation for routine HOA maintenance may not qualify, so it’s worth asking your insurer how your policy treats each situation.

The master deductible

Master policies carry large deductibles, and many CC&Rs let the HOA pass all or part of that deductible to the owners whose units were damaged, or spread it across everyone. Your HO-6 loss assessment coverage is usually what responds to that bill — up to its limit.

Earthquake and flood

Neither peril is covered by a standard HO-6, and many master policies exclude them too. CDI’s earthquake guide states that homeowners insurance does not cover earthquake damage, with fire as the main exception. FloodSmart, the federal flood program’s consumer site, says most homeowners and renters insurance doesn’t cover flood. Both get their own section below.

Coverage map

Risk	HOA master policy	Standard HO-6	Separate policy needed?
Fire damage to building structure	Usually yes	No	No
Fire damage to your interior finishes	Depends on policy type	Yes, if you carry enough Coverage A	No
Your belongings	No	Yes	No
Guest injured inside your unit	No	Yes (personal liability)	No
Hotel costs after a covered fire	No	Yes (loss of use)	No
Your share of the master deductible	No	Partly, via loss assessment	Possibly higher limit
Earthquake shaking damage	Only if HOA buys EQ coverage	No	Yes (CEA or private)
Flood	Only if HOA buys flood coverage	No	Yes (NFIP or private)

Condo Insurance in San Diego: What It Costs in 2026

There’s no single “official” average HO-6 premium, and published figures differ because they measure different things. Here’s what the main sources say and why they don’t match.

Source	Figure	What it measures
NAIC data (2022), as summarized by InsuranceMonster	$653/year, California average	Average premium actually written across roughly 1.05 million California HO-6 policy-years, all coverage levels
Insure.com (June 2026)	$767/year, California	Quoted rates from Quadrant Data Services for $60,000 personal property, $300,000 liability, $1,000 deductible
Insure.com (June 2026)	$808/year, San Diego	Same sample policy, city-level average

Why the numbers disagree

The NAIC figure is an average of real policies people bought, including many with low personal property limits, and it’s from 2022 — the most recent year the National Association of Insurance Commissioners has published. InsuranceMonster, a California brokerage, notes the average rises from $440 below $10,000 of personal property coverage to $961 at $100,000 to $124,999.

Insure.com’s figures are fresher but priced for one fixed coverage profile, fielded across ZIP codes and carriers. So neither number is “wrong.” The NAIC average is useful for seeing what Californians actually carry; the Insure.com figure is closer to what a buyer requesting that specific coverage might see quoted today.

How limits move the price

Insure.com’s California data shows how much coverage choices matter. A policy with $40,000 of personal property and $100,000 of liability averaged about $650 a year. Raising liability to $300,000 added roughly $19. Raising personal property to $100,000 with $300,000 of liability pushed the average to $931.

By company, Insure.com’s statewide averages for that $60,000/$300,000/$1,000 profile ranged from $663 at State Farm and $669 at Travelers to $962 at Mercury, with USAA at $775 for eligible military members and families. Your quote will depend on your building, ZIP code, claims history and the limits you choose.

What’s pushing costs up locally

Your HO-6 premium is only part of the picture. Axios San Diego, citing Realtor.com data, reported in March 2026 that about 57% of San Diego County homes listed for sale in 2025 had HOA dues, with the median monthly fee rising to $367 from $340 the year before. Axios linked part of that rise to higher insurance premiums driven by wildfire and flood risk. When the master policy gets more expensive or its deductible climbs, owners feel it both in dues and in the loss assessment limit they need.

Loss Assessment Coverage: The Part Most Owners Under-Buy

A loss assessment is a bill from your HOA for your share of a loss to property you own in common with your neighbors. It typically arrives in one of two ways: the association passes along its master policy deductible, or a loss exceeds the master policy’s limits and the shortfall is split among owners.

Many HO-6 policies include only a small loss assessment limit by default. InsuranceMonster notes the default is often $1,000 or $5,000, which doesn’t go far if the master policy carries a large deductible. Higher limits are usually available by endorsement for an added premium.

How California limits special assessments

The Davis-Stirling Act puts guardrails on how much a board can charge without owner approval. Under Civil Code Section 5605, a board can’t raise regular assessments more than 20% over the prior year, or impose special assessments that add up to more than 5% of the association’s budgeted gross expenses for the year, without approval from a majority of a quorum of members.

There’s an important exception. Civil Code Section 5610 says those limits don’t apply to emergencies, which include a court-ordered expense, a repair needed because of a threat to health or safety, and a repair that couldn’t reasonably have been foreseen when the budget was prepared. For that last category, the board must pass a resolution with written findings and send it to members with the assessment notice. A sudden fire or major pipe failure can fall into these categories.

Sizing the limit

People who want to size this coverage usually start with three numbers from the HOA: the master policy deductible, how the CC&Rs allocate that deductible among owners, and the number of units. A licensed agent can then show you the cost of different limits. Some HO-6 forms cap how much of an assessment tied to the master deductible they’ll pay, so it’s worth reading that part of the policy rather than relying on the headline limit.

Earthquake, Flood and Wildfire: The San Diego Gaps

San Diego’s mild weather hides real catastrophe exposure. Each of these three risks works differently for condo owners.

Earthquake: the Rose Canyon Fault

The California Earthquake Authority describes the Rose Canyon Fault, which runs along the coast and beneath downtown San Diego, as the biggest earthquake threat to the region, capable of a magnitude 6.9 quake. A 2020 planning scenario by the Earthquake Engineering Research Institute’s San Diego chapter, summarized by CEA, estimated such a quake would displace about 36,000 households and cause widespread liquefaction around Mission Bay, Mission Valley, Coronado and South Bay cities.

Standard HO-6 policies don’t cover shaking damage. CDI’s earthquake guide explains that California law requires homeowners and renters policies to cover fire caused by or following an earthquake, but not the shaking damage itself. Your insurer must offer you earthquake coverage in writing every other year, and you have 30 days to accept. CEA policies must be bought through the same participating insurer that writes your residential policy.

What a CEA condo policy offers

CEA lists these options for condo-unit owners:

CEA coverage	Available limits	Deductible
A: Building property	$25,000, $50,000, $75,000 or $100,000	5%–25% of the Coverage A limit
C: Personal property	$5,000 or $25,000 (must be bought with Loss of Use)	5%–25% of the Coverage C limit
D: Loss of use	$1,500 up to $100,000	None
E: Loss assessment	$25,000*, $50,000, $75,000 or $100,000	5%–25% of the Coverage E limit
Building code upgrade	$10,000 extra on Coverage A; $10,000 included within Coverage E	Paid once the relevant deductible is exceeded

*CEA only offers the $25,000 Coverage E limit when the unit’s fair market value is $135,000 or less, which rules it out for most San Diego condos.

CDI’s guide adds that CEA loss assessment coverage helps pay your share of certain HOA assessments for earthquake repairs, or to pay a master earthquake policy deductible if the HOA carries earthquake coverage.

A quick earthquake deductible illustration

Earthquake master policies use percentage deductibles, and the math gets large fast. Suppose a hypothetical 60-unit building carries $30 million of master earthquake coverage with a 15% deductible. That deductible is $4.5 million, or $75,000 per unit if the CC&Rs split it equally.

An owner with CEA Coverage E of $50,000 and a 15% deductible would have a $7,500 deductible, so CEA would pay up to $42,500 toward that assessment. The owner would still owe about $32,500. The real allocation depends on your CC&Rs and the policy wording, but the illustration shows why many owners compare their loss assessment limit against the master deductible rather than picking a round number.

For older context on local take-up: CEA reported that 78% of San Diego County residents with home or renters insurance had no earthquake policy, based on CDI data from 2017. The same CEA page listed sample annual premiums of $35 to $696 for a San Diego condo unit valued above $135,000, though those 2020 examples are dated and today’s CEA premium calculator is the better guide.

Flood: not just a coastal problem

The January 22, 2024 storm showed that inland San Diego floods too. NBC 7 San Diego reported that water flowed into 400 to 500 homes in Southcrest and Shelltown, and that nearly 5,000 structures were damaged across the area.

Condo owners in participating communities can buy their own flood policy through the National Flood Insurance Program. FloodSmart says building policies cover up to $250,000 and contents policies up to $100,000, with separate deductibles. Coverage generally starts 30 days after purchase, with exceptions such as buying in connection with a mortgage. FloodSmart also lists temporary housing and additional living expenses among the items flood insurance doesn’t cover.

Upper-floor owners sometimes skip flood entirely. It’s worth remembering that a flooded parking garage, elevator pit or ground-floor electrical room is common property, and repair costs the association’s policies don’t cover can come back to every owner as an assessment.

Wildfire and the FAIR Plan

Fire is a covered peril on a standard HO-6, so wildfire damage to your interior and belongings is generally covered up to your limits. The bigger wildfire issue for condo owners is the master policy. Associations near canyons in areas like Rancho Bernardo, Scripps Ranch or Rancho Peñasquitos may face non-renewals or steep increases.

To help, CDI approved a temporary “high value” FAIR Plan commercial option that took effect July 26, 2025. It offers HOAs and condo associations coverage with an aggregate limit of up to $100 million per location and is scheduled to expire in 2028. Separately, CDI says a new law, SB 547, took effect January 1, 2026, extending California’s one-year non-renewal moratorium after declared wildfire emergencies to commercial policies — including those covering HOAs and condominiums.

California and Lender Rules That Shape Your Policy in 2026

Two sets of rules decide the minimum coverage many San Diego owners end up with: state disclosure law, covered above, and mortgage investor requirements.

Fannie Mae’s 2026 condo changes

On March 18, 2026, Fannie Mae issued Lender Letter LL-2026-03, which rewrote several condo insurance requirements. For loans with application dates on or after July 1, 2026:

• The maximum per-unit deductible on a master property policy is $50,000.
• A borrower must carry a unit-owner policy if any part of the unit interior or improvements isn’t covered by the master policy, or if the master policy has a per-unit deductible.
• The minimum HO-6 coverage is the greater of the amount needed to restore the interior to its pre-loss condition or the per-unit master deductible.

The same letter set the maximum deductible on the unit owner’s own policy at the greater of 5% of the coverage amount or $2,500, and requires the unit policy to settle on a replacement cost basis. Fannie Mae also recommends borrowers work with an insurance professional to set their coverage.

Where older guidance differs

You may still see lender or broker pages describing older Fannie Mae sizing tests for walls-in coverage. The 2026 letter replaced those tests “in their entirety,” so if a loan officer quotes a different formula, it’s reasonable to ask which version of the guide they’re applying. FHA, VA and portfolio lenders set their own rules, which can differ again.

Two San Diego Worked Examples

These are hypothetical households with realistic numbers. They’re meant to show how the pieces interact, not to predict what any insurer would pay on a real claim.

Example 1: A water leak in a Mission Valley bare-walls building

Maria owns a two-bedroom condo in Mission Valley. Her HOA’s master policy is bare walls. A supply line in the unit above bursts on a weekday while she’s at work.

The damage: $42,000 to restore drywall, cabinets, vinyl plank flooring and baseboards; $7,500 in damaged belongings; and five weeks in a furnished short-term rental costing $5,200 more than her normal living expenses.

Her HO-6 carries $75,000 of Coverage A, $40,000 of Coverage C, loss of use of $16,000 (40% of Coverage C), and a $1,000 deductible. Assuming the loss is covered, her policy could pay about $53,700 ($42,000 + $7,500 + $5,200 − $1,000).

Two things could have changed that outcome. If Maria had carried only $25,000 of Coverage A, she’d have been roughly $17,000 short on the interior repairs. And if the leak had been a slow drip over months rather than a sudden burst, many policies would treat it as excluded wear and tear.

Example 2: A roof fire in a Clairemont complex

A 48-unit Clairemont association has a fire that starts in a shared attic. The master policy deductible is $100,000, which the CC&Rs spread equally: about $2,083 per unit. Because the building was insured below today’s rebuilding cost, there’s also a $480,000 shortfall after the master policy pays its limit — $10,000 per unit.

Each owner’s total assessment is about $12,083. The association’s annual budget is $600,000, so the 5% threshold under Civil Code Section 5605 is $30,000. The $480,000 shortfall is far above that and would normally need a member vote unless the board makes emergency findings under Section 5610.

Owner	HO-6 loss assessment limit	Assessment	Owner pays (before any HO-6 deductible)
Owner A	$1,000 (default)	$12,083	About $11,083
Owner B	$25,000 (endorsement)	$12,083	$0, if the full assessment qualifies

The difference between these two owners is usually a modest annual premium. How much, and whether every part of the assessment qualifies, depends on the policy form — which is exactly the kind of detail a licensed agent can walk through.

How to Set Up Your HO-6, Step by Step

Here’s the order many San Diego owners follow when buying or reviewing condo insurance.

1. Get the HOA documents. Pull the insurance summary from the annual budget report, the master policy declarations page and the CC&R section on unit boundaries and insurance.
2. Identify the master policy type. Bare walls, single entity or all-in decides how much Coverage A you need.
3. Price your interior. Estimate what it would cost a contractor to rebuild everything you’re responsible for, including upgrades by you or a previous owner. Market value and purchase price aren’t useful here.
4. Inventory your belongings. Walk each room and total replacement costs. This sets Coverage C, which also drives your loss of use limit.
5. Match loss assessment to the master deductible. Compare your per-unit share of the master deductible with your HO-6 limit.
6. Decide on earthquake and flood separately. Get a CEA quote through your insurer and check your flood zone at FloodSmart.
7. Check lender rules. If you’re financing, confirm the lender’s minimums before closing.
8. Review every year. Re-check after each new budget report, master policy renewal or remodel.

Common mistakes

• Buying Coverage A based on a default. In a bare-walls building, an owner who remodeled the kitchen can easily need more than a quote tool’s default.
• Ignoring the master deductible. Owners often learn the number only after a loss.
• Forgetting rental changes. Renting out the unit without telling your insurer can leave a gap.
• Assuming the upper floor means no flood risk. Shared areas still generate shared bills.
• Letting the earthquake offer lapse unread. It arrives every other year and expires after 30 days.

Ways people reduce the cost

• Compare several insurers. Insure.com’s statewide averages for the same coverage differed by about $300 a year between companies.
• Bundle with auto. Many carriers discount multi-policy households.
• Choose deductibles deliberately. A higher HO-6 deductible lowers the premium but raises what you pay per claim.
• Protect against water. Some insurers credit leak detectors or automatic shutoff valves; ask what yours offers.
• Ask about military eligibility. USAA and some other insurers serve the military community, which is large in San Diego.

A licensed agent can tell you which of these options apply to your unit and budget.

Frequently Asked Questions

Is condo insurance required in California?

No California statute requires an individual owner to buy an HO-6. Mortgage lenders almost always do, and your CC&Rs may require it as well. Under Fannie Mae’s 2026 rules, a unit-owner policy is required whenever the master policy leaves part of the interior uncovered or carries a per-unit deductible. Cash buyers can choose, but they carry the same exposure to interior damage, liability claims and HOA assessments.

What does an HOA master policy cover in California?

It generally covers the building structure and common areas, such as the roof, exterior walls, hallways and shared amenities, plus the association’s liability. How far it reaches into your unit depends on whether it’s written as bare walls, single entity or all-in. Your annual budget report must summarize the policy’s insurer, type, limit and deductible, and you can ask to review the full policy.

How much is condo insurance in San Diego?

Insure.com puts the San Diego average at $808 a year for a policy with $60,000 of personal property coverage, $300,000 of liability and a $1,000 deductible. Statewide averages range from about $653 (NAIC 2022 data on policies actually written) to $767 (Insure.com’s 2026 quoted rates). Your premium depends on your building, ZIP code, limits, deductible and claims history.

Does an HO-6 policy cover earthquake damage?

No. Standard HO-6 policies exclude shaking damage, though California law requires them to cover fire that follows an earthquake. Condo owners can buy a CEA policy through their participating insurer, with options for interior building property, belongings, loss of use and loss assessment. Loss of use has no deductible; the other coverages carry deductibles of 5% to 25% of each coverage limit.

What is loss assessment coverage and how much do I need?

It pays your share of certain bills the HOA charges owners after a covered loss to common property, such as a master deductible or a shortfall above the master policy’s limits. Default limits are often small. Many owners compare their per-unit share of the master deductible, based on the CC&Rs’ allocation, with their HO-6 limit. A licensed agent can show you the cost of higher limits.

Can my HOA charge me for the master policy deductible?

Often, yes, if your CC&Rs allow it. Many governing documents let the association pass the deductible to the owners whose units were damaged or spread it across all owners. California’s annual insurance disclosure specifically warns that owners may have to pay all or part of a deductible even when a loss is covered. Your HO-6 loss assessment coverage may help, up to its limit.

Do I need flood insurance for a San Diego condo?

It isn’t required unless your lender requires it, usually in a high-risk flood zone. The January 2024 storm damaged thousands of San Diego-area structures, many outside the coast. Condo owners in participating communities can buy NFIP building coverage up to $250,000 and contents coverage up to $100,000. Most new policies take 30 days to start, so waiting for a storm forecast is usually too late.

Does my HO-6 pay for a hotel if the HOA is doing repairs?

It depends on why you had to leave. Loss of use generally responds when a covered loss makes your unit unfit to live in. California’s Civil Code Section 4775 says relocation costs during association repairs are borne by the affected owner, and routine maintenance may not be a covered loss. Ask your insurer how your policy treats the specific situation before you book anything.

Can I use an HO-6 if I rent out my condo?

A standard HO-6 is designed for owner-occupants. If you rent the unit out — common for San Diego service members who receive PCS orders — insurers typically offer a rental endorsement or a landlord-style policy instead. Short-term rentals can raise separate questions. Telling your insurer before the first tenant moves in helps avoid a denied claim later.

The Bottom Line

Condo insurance in San Diego only works well when it’s matched to your association’s master policy. The master policy protects the building you share; an HO-6 protects your belongings, your liability, your temporary housing and, depending on the policy type, the interior you’re responsible for. Loss assessment coverage, earthquake coverage and flood coverage are the pieces most owners find out about too late.

A practical next step is to find this year’s HOA budget report, locate the insurance summary and note the master policy type and deductible. Take those numbers, along with your CC&Rs, to a licensed agent or broker and ask them to walk through how each coverage would respond in a fire, a leak and an earthquake. You can verify any agent’s license on the California Department of Insurance website or by calling CDI’s consumer hotline at 1-800-927-4357.

Sources

1. California Department of Insurance — “Residential Insurance: Condominium Insurance” (Residential Property Insurance Guide, p. 13) — https://www.insurance.ca.gov/flipbook/residential2020/15 — accessed September 21, 2026
2. California Department of Insurance — “Earthquake Insurance” consumer guide (Form 425, October 2024) — https://www.insurance.ca.gov/01-consumers/105-type/95-guides/03-res/upload/IG-Earthquake-Insurance-Updated-102924.pdf — accessed September 21, 2026
3. California Department of Insurance — “Reform made real — California Department of Insurance completes final evaluation of innovative forward-looking model” (July 24, 2025) — https://www.insurance.ca.gov/0400-news/0100-press-releases/2025/release052-2025.cfm — accessed September 21, 2026
4. California Department of Insurance — “New laws sponsored by Commissioner Lara to strengthen consumer protections and wildfire resilience take effect January 1” (December 30, 2025) — https://www.insurance.ca.gov/0400-news/0100-press-releases/2025/release079-2025.cfm — accessed September 21, 2026
5. California Earthquake Authority — “CEA Condo-Unit Policy Coverages & Deductibles” — https://www.earthquakeauthority.com/california-earthquake-insurance-policies/condominium/coverages-and-deductibles — accessed September 21, 2026
6. California Earthquake Authority — “The Rose Canyon Fault is considered a significant earthquake threat to San Diego” — https://earthquakeauthority.com/blog/2020/rose-canyon-fault-earthquake-prediction — accessed September 21, 2026
7. Justia (California Civil Code) — “California Civil Code § 5300 (2025)” — https://law.justia.com/codes/california/code-civ/division-4/part-5/chapter-6/article-7/section-5300/ — accessed September 21, 2026
8. FindLaw (California Civil Code) — “California Code, Civil Code § 5605” — https://codes.findlaw.com/ca/civil-code/civ-sect-5605/ — accessed September 21, 2026
9. Justia (California Civil Code) — “California Civil Code § 5610 (2025)” — https://law.justia.com/codes/california/code-civ/division-4/part-5/chapter-8/article-1/section-5610/ — accessed September 21, 2026
10. FindLaw (California Civil Code) — “California Code, Civil Code § 4775” — https://codes.findlaw.com/ca/civil-code/civ-sect-4775/ — accessed September 21, 2026
11. Fannie Mae — “Lender Letter LL-2026-03: Updates to Project Standards & Property Insurance Requirements” (March 18, 2026) — https://singlefamily.fanniemae.com/media/44986/display — accessed September 21, 2026
12. FEMA / FloodSmart — “What you need to know about buying flood insurance” — https://www.floodsmart.gov/get-insured/buy-a-policy — accessed September 21, 2026
13. Insure.com — “How much does condo insurance cost in California?” (updated June 2, 2026) — https://www.insure.com/condo-insurance/california-condo-insurance-cost/ — accessed September 21, 2026
14. InsuranceMonster — “California Condo Insurance (HO-6) | Unit-Owner Coverage” (reviewed July 13, 2026) — https://insurancemonster.com/california-condo-insurance/ — accessed September 21, 2026
15. Hill & Usher — “Condominium Coverage Definitions” — https://www.hillusher.com/condominium-coverage-definitions/ — accessed September 21, 2026
16. Axios San Diego — “HOA fees keep rising in San Diego” (March 23, 2026) — https://www.axios.com/local/san-diego/2026/03/23/hoa-fees-rise-san-diego-homes-for-sale-2025 — accessed September 21, 2026
17. NBC 7 San Diego — “One year after devastating Jan. 22 floods, residents still rebuilding” (January 22, 2025) — https://www.nbcsandiego.com/news/local/one-year-jan-22-floods/3731206/ — accessed September 21, 2026

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