HOA includes Cable, Insurance and Exterior Building Maintenance

[lniles]

Hi Temeculaguy,

That’s hilarious about your non-HOA neighborhood. Still, I think I’d rather have that than an HOA. I like the idea that once you buy something, especially something so expensive and personal, you can do with it what you will. For me it means I’ll be cautious about where I choose to live, including talking with all the neighbors (both to get a feel for how they are and to see if they’ll move sometime soon).

Besides, staring at the same lawns and same colors and same decor seems so Stepford-wife-ish to me. I like to mix it up, even if it means having eyesores in the neighborhood. Also, by comparison, it will make my house look much nicer! There’s so much talk of “freedom” these days, it’s kind of funny that we so willingly give it up, even in our own homes. That’s another topic I guess.

[lniles]

Hi Temeculaguy,

That’s hilarious about your non-HOA neighborhood. Still, I think I’d rather have that than an HOA. I like the idea that once you buy something, especially something so expensive and personal, you can do with it what you will. For me it means I’ll be cautious about where I choose to live, including talking with all the neighbors (both to get a feel for how they are and to see if they’ll move sometime soon).

Besides, staring at the same lawns and same colors and same decor seems so Stepford-wife-ish to me. I like to mix it up, even if it means having eyesores in the neighborhood. Also, by comparison, it will make my house look much nicer! There’s so much talk of “freedom” these days, it’s kind of funny that we so willingly give it up, even in our own homes. That’s another topic I guess.

[SD Realtor]

Hi Jimmyle –

I am familiar with this Masters Hill, (this complex). I do not believe that they will maintain your front lawn. You are not only responsible for maintaining it but if you do not maintain it you will be cited by the HOA. The exterior of the buildings is another issue but to be honest I did not ask about that when one of my clients was looking there. The insurance coverage provided through your HOA is a minimum policy but it is enough for you to get your financing done. While I would advise you to consider getting supplemental insurance but it is not mandatory so the direct answer is no you would not have to purchase additional insurance to get financing but your HOA provided policy is bare bones and most likely would not cover all the things you may think it would cover. The cable is basic cable and does not include ISP support.

[SD Realtor]

Hi Jimmyle –

I am familiar with this Masters Hill, (this complex). I do not believe that they will maintain your front lawn. You are not only responsible for maintaining it but if you do not maintain it you will be cited by the HOA. The exterior of the buildings is another issue but to be honest I did not ask about that when one of my clients was looking there. The insurance coverage provided through your HOA is a minimum policy but it is enough for you to get your financing done. While I would advise you to consider getting supplemental insurance but it is not mandatory so the direct answer is no you would not have to purchase additional insurance to get financing but your HOA provided policy is bare bones and most likely would not cover all the things you may think it would cover. The cable is basic cable and does not include ISP support.

[CostaMesa]

Temeculaguy – What’s next – people were seen in their front yard talking?

I thought we lived in a free country. Guess not.

[CostaMesa]

Temeculaguy – What’s next – people were seen in their front yard talking?

I thought we lived in a free country. Guess not.

[novice1027]

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!

[novice1027]

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!

[donaldduckmoore]

Talking about HOA, my friend had this problem, he owned a townhome and was waiting for a parking spot. The HOA sent him a letter of parking spot assignment that is effective immediately so he parked his car to that spot. The other day, his car was towed. Other owner parked that spot. Whose fault is that?

[donaldduckmoore]

Talking about HOA, my friend had this problem, he owned a townhome and was waiting for a parking spot. The HOA sent him a letter of parking spot assignment that is effective immediately so he parked his car to that spot. The other day, his car was towed. Other owner parked that spot. Whose fault is that?

[lniles]

Oh yeah, tow truck companies LOVE hoa’s. Especially when they have towing violations. In my friend’s community they say no parking on the street from 2AM until 5AM and the tow trucks start scoping at 2AM like vultures. The other night they towed his car at 2:15 because it was sticking out of the driveway.

[lniles]

Oh yeah, tow truck companies LOVE hoa’s. Especially when they have towing violations. In my friend’s community they say no parking on the street from 2AM until 5AM and the tow trucks start scoping at 2AM like vultures. The other night they towed his car at 2:15 because it was sticking out of the driveway.

[donaldduckmoore]

That is rediculus.

[donaldduckmoore]

That is rediculus.

[Author]

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