I’m in a condo with $200 HOA and it pays for all that plus water and trash/waste but no cable. I pay $90 for 50-something channels of sheeyat but I have it for the cable modem internet.
The HOA insurance is for the building, covers stuff like fire etc. but it does not cover what’s IN the condo, like your wife’s diamond ring, your Gibson Les Paul, or your collection of 20th century vintage porn. Unless all your stuff is from Ikea I recommend that you get your own insurance for those things, and the cost depends on what you’re insuring in some cases.
BTW as an experienced owner I have had nothing but bad experiences with HOAs. For example, I surf and SCUBA and on occasion have been warned not to hang my gear outside (I do that to dry it, GOSH!) and other nitty-pickies like that. I guess I just have a problem with authority, ‘specially when it comes from some retired dude who has nothing better to do than join the HOA board and spy on neighbors in their homes. Pervert!
Look around, Poway has LOTS of non-HOA SFR’s and some with enough land that you shouldn’t care what your neighbors are doing!
