What’s In A Condo “Master Doc” And How Does It Pertain To My Condo?

The master doc contains pertinent information regarding the arrangements of the condo property. This means the document lists common areas such as landings, the foyer, grounds, pool, etc. It also lists what each separate condo is, such as "all-in" or "walls-in." This means the owner of the condo actually owns the walls, floor, ceiling, and contents of the condo. Smoller Insurance Agency in Boston, MA is here to assist with condo insurance and everything related. 

Condo Insurance & Master Doc: What You Need To Know

Your Walls, Floor, And Ceiling

When you close on your new condo, you’ll have drafted for you a unit deed. This can also be found in the master doc and details transfer of ownership. This means the condo can be mortgaged, taxed, and sold. Smoller Insurance Agency of Boston MA knows what’s in the master doc, so we’ll walk you through the liability, loss assessment, and personal injury coverage you’ll need. You should also know these things about master docs.

Who Does Admin?

The Declaration of Trust, also included in the master doc, tells prospective condo owners to whom to pay their condo fees. We’ve seen sketchy “admin” people take the money and run. It’s good for prospective condo owners to know a sanctioned person is taking care of business.


Looking online will tell prospective condo owners that a condo company’s insurance stops at your walls. Should a visitor to your home become injured in condos’ common areas such as pools or picnic areas, then your home insurance covers the liability. The condo association won’t. These documents are also in the master doc.


Prospective condo owners should pay strict attention to this one. The master doc will include a Notice of Lien. This means that if a guest in your home raises a ruckus that annoys the neighbors or causes trouble in the condo’s common areas, then the fines and the cost to sic the sheriff on them will constitute a lien. You’re responsible for its payment.

Reach Out To Us

There’s more to buying a condo than just finding the perfect one for you. Allow us at Smoller Insurance Agency in Boston, MA to fill you in.

Discounts for Donations!

Yes, you read that right. Mapfre Insurance and Safety Insurance will reward your good-hearted donation to particular organizations with a 5% discount on your auto policy in Massachusetts!

Mapfre Insurance policyholders may donate a minimum of $50 to the Pan-Mass Challenge to earn their 5% discount. Founded in 1980, the Pan-Mass Challenge is an annual bike-a-thon that raises money for the Dana-Farber Cancer Institute, a world leader in adult and pediatric cancer treatment and research.

Follow along with this video to learn how to make that donation.

Safety Insurance policyholders may donate a minimum of $50 to Clear Path for Veterans New England to earn their 5% discount. Clear Path for Veterans provides support through a wellness-based Veterans’ Community Center to bolster those who served, with a particular emphasis on reconnecting Veterans to their communities upon their return home.

Follow along with this video to learn how to make that donation.

After making your donation, don’t forget to send your receipt to info@smollerinsurance.com so we can get your discount processed right away! Let us know if you have any questions or issues.

We’re so happy to support these wonderful organizations while simultaneously offering our Smoller Insurance clients a way to save money!