Question:
Do I need separate property insurance is the HOA covers the property in Florida?
– Patricia
Answer:
Hi Patricia,
Typically, homeowners associations are only required to purchase insurance for the common areas. Homeowners often need to purchase separate property insurance for their own homes. However, it may be a good idea to verify the association’s and homeowners’ insurance requirements in the governing documents. You may also speak with the board to clarify insurance responsibility. For further guidance, kindly consult a lawyer.
Disclaimer: We are not lawyers. The information provided on this website does not constitute legal advice.
