Small Homeowners Association (HOA) insurance coverage can be cheaper. But that can cost high assessments later.  The easiest mistake to make when reviewing your HOA insurance policy is to think too small.  After all, many of the condo and homeowners associations in Napa, Calistoga, St. Helena, Yountville, American Canyon and Sonoma are small.  And small associations don’t need big policies, do they?  Yes, they do.     Read the article………………