If you’re on the board of a homeowners association (HOA), you know the challenges of maintaining your community’s high standards — especially when the unexpected happens.
All individual unit owners form the membership body of condominium, homeowners and townhouse associations. While condominiums can be commercial or residential homes, townhouses are generally residential only.
Each individual unit owner owns a particular unit, then each has a shared financial responsibility for the overall maintenance and upkeep of common areas, such as clubhouse, the grounds, elevators, exterior walls, foundations, hallways, Homeowners Association systems, outside fixtures, parking areas, recreational facilities, roofs, and swimming pools.
The association’s bylaws will state exactly what is owned by each individual member and what is owned by the association.
With so many different aspects to understand when it comes to homeowners association insurance, we recommend speaking to an experienced insurance agent with Ezzi Insurance Advisors to ensure you get the right type of coverage you need, with a rate that fits your budget.
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