Home Owner's Association

Many HOA's are responsible for insuring their property and liability exposures under what is known as a "master policy." This policy typically covers the parts of residential structures shared by all homeowners, such as roofs, common walls, lobbies, stairways, elevators, and basements. HOA governing documents should state exactly which areas are the responsibility of the HOA and those which are more appropriately covered by the unit owner under an HO6 personal liability and effects policy. Whatever the case may be, RCG has the knowledge base to properly protect the homeowners assets.