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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?
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
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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