HOA vs Homeowner: Who Pays in a Claim? скачать в хорошем качестве

HOA vs Homeowner: Who Pays in a Claim?

HOA vs Homeowner Insurance Responsibilities — Who Really Pays in a Claim? In this video, we break down the key differences between HOA insurance and your personal homeowner policy, explain where coverage lines fall, and show you how to avoid expensive surprises when a claim happens. If you own a condo or townhome — this is essential information. 👉 Full companion blog post (in depth): https://wpinsure.com/blog/hoa-vs-home... Key Topics Covered: How HOA master policies work What your homeowner (HO-6) policy covers Bare walls vs original build vs all-in master policies Where HOA vs homeowner insurance responsibilities actually fall Why deductibles and loss assessments matter How upgrades affect your coverage A simple checklist to avoid claim surprises ⏱ Timestamps for Easy Navigation 0:00 — Intro: Who Pays in a Claim? 0:40 — HOA Insurance vs Your Policy 1:50 — Condo vs Townhome Coverage Differences 3:10 — The Master Policy Explained 4:25 — “Walls-In” Misconception 5:40 — HOA Deductibles & Special Assessments 7:00 — Loss Assessment Coverage 8:15 — Upgrades & Coverage Gaps 9:30 — Personal Property & Liability 10:40 — Practical Checklist Read the full deep-dive blog article here: 👉 https://wpinsure.com/blog/hoa-vs-home... This post expands on the concepts we cover in the video, including real examples, key definitions, and a concise action checklist you can use today to review your policy. Watch this video if you’re asking questions like: ✔ Who pays if water damage affects multiple units? ✔ Does the HOA policy cover my cabinets or flooring? ✔ What is loss assessment coverage and do I need it? ✔ Does my HO-6 cover upgrades I made? ✔ What does “bare walls” actually mean? Follow along for more insurance insights: 🌐 Website: https://wpinsure.com 📘 Blog: https://wpinsure.com/blog 📸 Instagram:   / wpinsure   📍 Facebook:   / wpinsure   🐦 X/Twitter:   / wpinsure   About Western Pacific Insurance We help homeowners, condo owners, and investors understand their insurance coverage so they can protect their most important assets without confusion or guesswork. Like this video? 👍 Hit Like 🛎 Subscribe for more real-world insurance guidance 💬 Comment your questions — I’ll respond #HOAInsurance #HomeownersInsurance #CondoInsurance #TownhomeInsurance #HO6 #InsuranceTips #InsuranceExplained #wpinsure