{"id":710,"date":"2014-10-17T11:00:36","date_gmt":"2014-10-17T18:00:36","guid":{"rendered":"http:\/\/allnevadainsbl.wpengine.com\/?p=710"},"modified":"2014-10-17T11:00:36","modified_gmt":"2014-10-17T18:00:36","slug":"hoas-homeowners-insurance","status":"publish","type":"post","link":"https:\/\/www.allnevadainsurance.com\/blog\/hoas-homeowners-insurance\/","title":{"rendered":"Homeowners Insurance and HOAs"},"content":{"rendered":"<p style=\"line-height: 14.25pt;\"><span style=\"font-family: Georgia; color: #333333;\">Homeowners associations, or HOAs, are not only for condos and apartments. Many single-family homes are also part of a HOA. Living in a house with an HOA comes with many perks, such as knowing that your yard and the community pool will always be well maintained. If you live in a home with an HOA, it\u2019s important to know how to handle your homeowners insurance policy.<\/span><\/p>\n<p style=\"line-height: 14.25pt;\"><span style=\"font-family: Georgia; color: #333333;\">When you join an HOA, make sure that you know exactly what their Master policy covers. If you live in a detached home that is part of an HOA, their insurance policy will most likely cover all of the community amenities, such as gates and any recreational facilities. It\u2019s also important to make sure that you know how much coverage the Master policy provides.<\/span><\/p>\n<p style=\"line-height: 14.25pt;\"><span style=\"font-family: Georgia; color: #333333;\">Even though you\u2019re part of an HOA it doesn\u2019t mean that you don\u2019t have to purchase your own homeowners insurance policy. Just as if you weren\u2019t part of an HOA, you would still need to invest in a policy that would provide enough coverage for all of your assets if they were destroyed or damaged. It\u2019s important to make sure that your individual policy provides enough coverage so that there\u2019s no gap between the HOA policy and your policy.<\/span><\/p>\n<p style=\"line-height: 14.25pt;\"><span style=\"font-family: Georgia; color: #333333;\">It\u2019s even more important to make sure that your individual homeowners insurance policy has enough liability coverage when you\u2019re part of an HOA. Since homes in an HOA are typically closer together, a fire or water leak that starts at your home can easily spread and cause serious damage to other homes.<\/span><\/p>\n<p style=\"line-height: 14.25pt;\"><span style=\"font-family: Georgia; color: #333333;\"><a href=\"http:\/\/allnevadainsbl.wpengine.com\/contact\/\">Contact<\/a><span class=\"apple-converted-space\">\u00a0<\/span>the insurance professionals at All Nevada Insurance in Las Vegas for all of your homeowners insurance needs. We will work with you and your HOA to ensure you have the right amount of coverage for your specific situation.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Homeowners associations, or HOAs, are not only for condos and apartments. Many single-family homes are also part of a HOA. Living in a house with an HOA comes with many perks, such as knowing that your yard and the community pool will always be well maintained. If you live in a home with an HOA, [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":726,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[88],"tags":[90,122,387,388,139,96,97,140],"class_list":["post-710","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-archives","tag-all-nevada-insurance","tag-coverage","tag-hoa","tag-homeowners-associations","tag-homeowners-insurance","tag-las-vegas","tag-nevada","tag-policy"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.allnevadainsurance.com\/blog\/wp-json\/wp\/v2\/posts\/710","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.allnevadainsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.allnevadainsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.allnevadainsurance.com\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.allnevadainsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=710"}],"version-history":[{"count":0,"href":"https:\/\/www.allnevadainsurance.com\/blog\/wp-json\/wp\/v2\/posts\/710\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.allnevadainsurance.com\/blog\/wp-json\/"}],"wp:attachment":[{"href":"https:\/\/www.allnevadainsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=710"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.allnevadainsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=710"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.allnevadainsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=710"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}