Have you just purchased a new home in Huntington, TX and are wondering what kind of adjustments you need to make to your home insurance with Integra Insurance Services? If you are paying a homeowners association fee every month, you will need to know where the HOA ends and your property begins.
Read Your Deed
Review your deed with your agent. If the plot plan only includes the interior of your property, then your liability ends with your front door as long as you take care of your condo. But in neighborhoods with single-family structures and shared outdoor space, the lines of property and responsibility can get blurred. If you are unsure who owns what, make sure to speak with your HOA to clarify the situation as soon as possible.
Sidewalks, Lawns, Porches and Streets
Your property may only include your house and driveway. Even porches and decks that are part of townhouses may belong to the HOA. If the sidewalks are on your plot plan, you will have to maintain them. Who mows the lawn, prunes the trees, and waters the flowers by the gate? If you see your neighbors taking care of shared areas, ask them if the HOA has approved their assistance. If not, there can be legal repercussions if a repair goes wrong.
If You Maintain It, the Liability is Yours
Any part of your home where the HOA does not provide routine maintenance, you will want to include on your home insurance policy. You may wish to put up a fence or hedge to define the areas for which you are responsible. If your guest is injured on a shared area, such as the pool or playground, they will be filing a claim against the HOA liability insurance.
Give your agent at Integra Insurance Services for more information on home or commercial insurance options for the Huntington, TX area.