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No--unless it is required by the HOA bylaws or CC&Rs. However, having liability insurance is advisable for a homeowners' association because of the expense and burden of lawsuits in today's world.

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Q: Is insurance required for private roads owned by a homeowners association?
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Related questions

Does personal lines insurance include homeowners' associations?

Personal lines insurance typically does not include coverage for homeowners' associations. Homeowners' associations typically have their own insurance policies to cover their common areas and buildings. Individual homeowners may choose to purchase personal lines insurance to cover their own property within the homeowners' association.


Will homeowners insurance cover injuries from an auto accident on private property?

No. Homeowners Insurance does not cover Auto accidents. Auto Insurance covers automobiles. It does not matter if the auto accident was on public or private property.


Can a mortgage bank or company cancel your homeowners insurance with a private company?

What do you mean "private company" If you have HO insurance the bank can not canel it. Only you can.


Are there any private insurance companies still writing homeowners policies in Florida?

Did you ever get an answer?


Does homeowners ins cover accidents or injuries on a private road in a subdivision?

No, You would need to look for your auto insurance for road accidents


What is the maximum amount a homeowners association can recover on a property bought at auction by a private investor in Colorado?

The answer you want is in the auction documents involved in your purchase. There is no standard.


Do I need to have aviation insurance?

Aviation insurance is required for all private and commerical flyers. The amount of coverage required by law depends of the size of the aircraft.


Is private mortgage insurance the same as homeowners insurance?

They are not the same. Homeowner's insurance insures the property: dwelling, personal property, other structures on the property, etc. Private mortgage insurance pays the mortgage in case of the death or disability of the mortgagor.


How does a private road get paved?

the homeowners association would be responsible to hire a contractor and most likely a contractor will want a stamped set of construction plans from an engineer.


Are parks private property?

Some parks are located on private property and some are public property. It would depend on the owner of the park. A homeowners association for instance can own a park within their subdivision. This would be a privately owned park and can be only for members of the homeowners association if they desire. Public parks are often owned by a city, state, or country and could be open to all members of the public if structured that way.


Who is legal no life guard at pool homeowners association?

Read your governing documents -- including the pool rules -- to understand the association's guideline regarding life guards. Since the pool may be a private -- non-public pool -- the association sets the standard for life guards.


Does a car that is not drivable require insurance in Oklahoma?

Is the car on Private property or parked in a public place? On your Private property, without valid Tags and Without a loan against it then no insurance required.