If you are a homeowner in a community association, whether single family, condominium, or townhome, are you certain you have the correct form of insurance?  When you own a home in an association, you may be told somewhere along the line that the association is providing insurance. This is probably true. However, as a homeowner, you need to understand exactly what the association insures so that your personal homeowners insurance policy will fill in the gaps. There are two common policy forms of personal homeowners insurance, the HO-3 Policy and the HO-6 Policy.    Read the article……………………..