Does HOA usually include insurance?


Editorial team Published on

Yes, a portion of your HOA fees typically goes toward a master insurance policy, but it only covers the shared structures and community areas.

What HOA Insurance Covers

  • Common areas: Shared spaces like clubhouses, pools, walkways, and lobbies.
  • Exterior structures: The roof, exterior walls, and physical structure of the building (common in condos and townhomes).
  • Association liability: Injuries or accidents that happen in shared spaces.

What HOA Insurance Does NOT Cover

  • Your personal belongings: Furniture, clothes, electronics, and valuables inside your home.
  • Your unit interior: Depending on the master policy, things like flooring, cabinets, and appliances inside your walls are usually your responsibility.
  • Personal liability: Accidents or injuries that happen inside your specific unit.

Because of these gaps, you still need your own individual policy—such as an HO-6 condo policy or standard homeowners insurance—even though you pay HOA fees. You can learn more about how these policies work together through guides like Policygenius on HOA Insurance or Mercury Insurance on Coverages.