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HOA Policies | How Do They Compare With COA & Which Is Right For You? Thinking about buying in South Florida but not sure whether an HOA or COA is the right fit? In this video, I break down the pros and cons of homeowners associations and condo associations so you can make an informed decision before you buy. From lifestyle restrictions to insurance surprises, I’ll help you understand what to look out for — especially in Florida’s ever-changing insurance market. Key Takeaways: 🏡 HOA = More freedom, but you’re responsible for your own insurance and upkeep. 🏡 COA = Easier maintenance, but typically more restrictive on renovations, rentals, and pets. 🏡 Watch for communities that bundle insurance into monthly dues — they can become volatile. 🏡 Condo owners don’t always benefit from upgrades like impact windows when insurance is shared. 🏡 Always review financials and rules before you buy — “low dues” can sometimes hide rising costs. Make sure to like and subscribe if you liked this content and reach out if you have any other questions!