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A shopping tool for homeowners insurance, page 14. Many community associations carry master policy coverage on basic structures and common property; Damage to the home and the owner's belongings, certain legal claims against the owner for which he may be liable, and limited coverage of people who are injured on the owner's property. This insurance policy form is designed to cover the common property of complexes where one or more buildings have tenants that own their unit. So the master property insurance policy will provide protection against liability that may apply to the association as a whole, but not to individual the bottom line on insurance for hoas.

A shopping tool for homeowners insurance, page 14.

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