Is homeowners insurance covered by our HOA fees?

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Is homeowners insurance covered by our HOA fees?

Post  Italia on Wed Apr 22, 2009 9:22 pm

I have condo insurance with Allstate but wondered if it's necessary if our condo fee covers homeowners insurance.
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Italia

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Insurance

Post  PaulC on Thu Apr 23, 2009 1:26 am

It is my understanding that the HOA insurance only covers the common areas. You need your own insurance to cover the studs inward - i.e. the walls and everything inside. insurance companies are very familiar with this model.

-Paul
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