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It's not $100K, it's $1,000,000 (6 zeroes. As Dr. Evil would say "One Million Dollars"), payable to the HOA for any damage caused by the EVSE. It's not a standard insurance policy thing at all. As I said, condo insurance peaks at $500,000, which is half that, so this gets into rarified...

Couldn't find an existing topic for this. I don't have condo owners insurance because, well, I'm perfectly capable of replacing my stuff out of pocket. CA law requires a $1 million insurance policy for a charger in a "Restricted common use area". I've called around a couple of places to ask...