---
title: Can condo association dictate homeowner insurance requirements?
description: Our condominium had a catastrophic loss to our insurance company. We were told that upon our renewal that the Master Policy deductible will increase.
---

[Condo Q&A ](https://www.condoassociation.com/blog)

# [Can condo association dictate homeowner insurance requirements?](https://www.condoassociation.com/blog/can-condo-association-dictate-homeowner-insurance-requirements)

 Written by [CondoAssociation.com](https://www.condoassociation.com/blog/author/condoassociationcom) | Sat, Jul 23, 2016 @ 10:54 AM

Our condominium had a catastrophic loss to our insurance company for an act of nature. We were told that upon our renewal that the Master Policy deductible will increase from $5,000 to $25,000. Currently, the HO-6 policy for the homeowners only covers a $5,00 deductible payout to the association to cover the Master Policy deductible, which will soon be insufficient. Can the Board require that all homeowners now carry a min $25,000 payout on their HO-6 to cover the Master Policy deductible? Otherwise the condo would have to pretty much self-insure for the remainder, and we couldn't afford to do and most people don't have an extra $25,000 in cash lying around. Has anyone else had this issue or something similar? What options or suggestions can anyone provide?

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