Home Insurance-Home Owners Insurance

johnpau2009 asked:


I got a new town home last week and the HOA (association) has a policy which I am hoping will cover the exterior and common area.

Now as a home owner within my home what policy do I need to get ?

1) Is there a standard townhome policy which most of the owners get ? if yes what policy is it ?

2) The home value is 225K, do I need to mention this number anywhere in the policy ?

Help me as I am new first time home buyer

Thanks in advance

Mason Limber

mickie asked:


We pay about $6000 a year (!!!! yeah, I know!!) for our insurance and it doesn’t cover contents, lanai or the pool. It’s forced by the mort. co. because we couldn’t find any. We’ve called brokers and no luck. Help!! Pasco County Florida, on 1.25 acres, no mh park.

Lincoln Collum