Is Homeowners Insurance Included In Association Fees? 
More than likely not . I am not sure which type of association you are referring to : condo versus homeowners . If it is a condo association , then part of your association fees will go towards the master policy . The master policy covers the building from the walls out and common areas . It is rare that association fees will go towards an individual unit condo policy -LRB- HO-6 -RRB- . If it is a homeowners association , then the fees go towards the board , common area maintenance and insurance for the common areas . All home owners are required to purchase their own homeowners policy -LRB- HO-3 -RRB- . I hope this helps . 