Wildfires are becoming an increasing concern for homeowners, especially in states like California where dry conditions and strong winds create the perfect storm for fast-spreading fires. If you live in a homeowners association (HOA) community, you may be wondering how much protection your insurance provides and whether your HOA’s insurance> covers wildfire damage. Understanding the differences between homeowners insurance and HOA insurance is crucial in protecting your property. Let’s break down what’s covered, what’s not, and how you can safeguard your home.   Read the article…………………………….