Be very wary of those HOA insurance plans. My mom lives in a townhouse and has the manditory HOA insurance, not cheap either, and still has her household insurance through Allstate. She had a pipe break inside the house and got totally SCREWED! Neither one of the companies wanted to pay. The HOA had a huge deductible, which she didn’t quite reach, then Allstate said they weren’t responsible, because of the other insurance coverage, so she was out of pocket some $4000, not including the increased electricty bills for running all of the blowers.
They have you coming and going!
