How to Get a Copy of HOA Master Insurance Policy: A Complete Guide for Homeowners
If you live in a condominium, townhouse, or planned community, the homeowners association (HOA) likely carries a master insurance policy that protects the shared property. But many homeowners are unsure how to access it. If you’ve ever wondered how to get a copy of HOA master insurance policy documents, you’re not alone. Understanding your HOA’s master insurance coverage is essential for protecting your investment and making informed decisions about your personal homeowners insurance. Below, we break down exactly how to request the policy, what it includes, and why it matters. What Is an HOA Master Insurance Policy? An HOA master insurance policy is a policy purchased by the homeowners association to cover common areas and, in some cases, parts of individual units. It typically includes protection for: Exterior structures Roofs Hallways and stairwells Shared amenities (pools, gyms, clubhouses) Liability coverage for common areas The type of master policy your...