All-In (All-Inclusive)

**What is All-In (All-Inclusive) Coverage?** An All-In policy is a comprehensive master insurance plan required by most condominium associations in Plainview, NY. This policy covers the building's exterior walls, structural components, and common areas like hallways or elevators. It also includes the interior of individual units as they were originally constructed, but excludes personal property, tenant improvements (e.g., renovations), and liability coverage for residents.

**Why Does All-In Coverage Matter for Condo Owners in Plainview, NY?** In Plainview and surrounding communities like Syosset or Hicksville, condo associations are legally obligated to maintain an All-In policy. This ensures the building’s core assets—often subject to regional risks like severe weather—are protected. Unit owners still need separate HO-6 policies for personal items, custom upgrades, and liability protection, as these are not covered under the All-In plan.

**How Does All-In Coverage Work in Plainview?** When a loss occurs within the scope of the policy—like water damage to a unit’s foundational structure—the association’s All-In policy handles repairs. However, if the damage involves a resident’s custom cabinetry or electronics, their personal HO-6 policy would apply. Lehmann Insurance works with Plainview condo owners to ensure seamless coordination between All-In and HO-6 coverage.

**Local Relevance: All-In Coverage in Plainview, NY** Plainview’s unique housing market and local regulations require meticulous attention to coverage gaps. Lehmann Insurance advises residents to review their association’s All-In policy details annually, especially after upgrades or renovations. Our team helps Plainview condo owners navigate overlap areas between master policies and individual HO-6 needs to avoid unexpected out-of-pocket costs.