Retired teacher Karen Conn and her retired dentist husband Randy bought a condo in the 96-unit complex Morgan’s Trace about seven years ago.  She’s a member of the home owners association (HOA) board there and was stunned to find out the complex was losing its insurance late last year. The board scrambled to find another insurer, but could only get one that charged double what they were paying and it was for less coverage.    Read the article…………………………….