Your HOA’s maintenance budget isn’t proof that its insurance covers the same things. Check the governing documents and actual policy before assuming who’s responsible for shared-area costs. #theodonohoeagencygalveston #HOAInsurance

Think your HOA covers everything after a storm? Not so fast. Your own policy is key for interior damage and personal belongings. Know who pays before disaster hits. #thelarsongroupwoodstock #hoainsurance

Did you know your HOA deductible could cost you thousands after a storm? Learn how loss assessment coverage can protect Woodstock homeowners from surprise bills. #thelarsongroupwoodstock #hoainsurance