One of the most complex issues faced by HOA boards of directors is securing appropriate insurance coverage for the association. A number of factors go into determining what types of policies are needed, what can and should be covered by those policies, the amount of coverage needed and how to obtain the best rates possible. In addition, determining what needs to be covered isn’t up to the discretion of board members, but rather is determined by the association’s governing documents and sometimes even state statutes.   Read the article……………………….