What Does Home Owners Association Insurance Cover? 
This can vary from one Association to another . As it pertains to actual property I have seen as little as the grounds only to the complete building you own . Most common coverage is what we call studs out . The HOA would cover your home from studs out in a loss and the owner would be responsible for walls in on a separate policy . Also the owner is responsible for their own personal property , liability protection , medical coverage and loss of use . Also it is very important to carry loss assessments since in an HOA situation a homeowner can be assessed for a loss even if the owners property suffered no damage . In an association you are one big happy family . Always get a copy of your CC&R 's and consult your agent for the proper coverages and protection . 