People generally invest in insurance coverage to protect themselves from expenses if anything should happen. Homeowners’ association (HOA) insurance works similarly, providing a safety net for association members when there are unforeseen liabilities and costs related to community property and legal claims.

Understanding the complexities of HOA insurance and finding the right policy for your association can be overwhelming and leave you with more questions than answers. However, it’s vital to have HOA insurance coverage to shield board officers and homeowners from financial culpability in case something goes wrong.

If you’re unsure about HOA insurance, how it works, and why your association may need it, you’ve come to the right place. Read on for answers to the eight most frequently asked questions about HOA insurance.