Homeowners Association(HOA) refers to the community that you reside in. If your community is governed by a HOA, you may end up paying less for your hoemowners insurance than the average homeowner. 

However, still purchase the individual policy whether it be for a condominium or town home for example to make sure that you are completely covered. 

If you are in need of a Homeowners quote and you live in a community governed by a HOA, give us a call at 925-478-5903