Do I need my own insurance if I pay a homeowners association fee?

I know part of my homeowners association fee goes toward insurance. Does this mean I'm covered, or do I need to buy my own home insurance?

Answer provided by
Shannon Martin
Answered on Mar 08, 2021
Great question! Yes, you still need to secure and pay for your own homeowners insurance in addition to paying a homeowners association fee. The homeowners insurance will cover your individual residence and liability, while the association’s fee goes toward the shared space in your community. The fee typically covers lawn maintenance, community areas like clubhouses and pools, and the insurance needed for those areas.

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