The legal question of whether a homeowners association (HOA) is obligated to insure common areas without title is a complex and nuanced matter that has been the subject of ongoing debate and litigation. While some jurisdictions have ruled that HOAs are indeed responsible for insuring common areas, others have held that such obligations extend only … Read more
Homeowners association (HOA) insurance, a cornerstone of residential community living, safeguards the collective interests of homeowners within a neighborhood or development. By providing comprehensive coverage for common areas, amenities, and shared structures, HOA insurance plays a vital role in maintaining a safe and well-maintained living environment for residents. However, understanding the nuances of this specialized … Read more