Uncovered: The Shocking Truth About HOA Insurance—and What It Means for You

Think your HOA’s master insurance policy protects you? Think again. In this episode of HOA HELL, attorney Michael Kushner breaks down the shocking gaps in HOA insurance—and how they can leave homeowners stuck with five- or six-figure bills after a disaster. 🎯 What You’ll Learn in This Episode: ✅ The real difference between condos, planned developments, and townhomes.✅ What your HOA’s master policy usually covers—and what it doesn’t.✅ When HO-6 policies are essential, and who actually needs one.✅ Why most HOAs don’t carry earthquake insurance (and what that means for you).✅ The dangerous limits of D&O coverage for board members.✅ Your legal right to get a copy of the actual insurance policies—not just a summary.✅ What to do if you’ve already been hit with a shady special assessment. 🔹 Detached HomeHOA owns the walls? NoHOA insures the structure? NoHO-6 policy needed? No🔹 Townhome (Planned Development)HOA owns the walls? NoHOA insures the structure? Usually yesHO-6 policy needed? Often yes (for interior)🔹 Condominium (CID)HOA owns the walls? YesHOA insures the structure? YesHO-6 policy needed? Yes 🟨 Important: “Townhome” is a building style—not a legal category. You need to check your governing documents or plat map to know if your unit is part of a condo or a planned development. 🔔 Subscribe for more powerful legal tools to hold your HOA accountable. 🎧 Listen to my full-length HOA HELL podcasts on YouTube @hoahellpodcastofficial. 🌐 📞 Want to talk to an attorney at MBK Chapman? Contact us at www.mbkchapman.com. Let us know that you heard about us from the podcast, HOA HELL. Disclaimer:  This content constitutes attorney advertising. The content of this podcast is for general informational purposes only and does not constitute legal advice. No attorney-client relationship is created by listening to this podcast, submitting a question, or receiving a response. Always consult with a licensed attorney regarding your specific legal situation. MBK Chapman and Michael Kushner disclaim any liability for actions taken or not taken based on the information provided in this podcast. This communication does not constitute a guarantee, warranty, or prediction regarding the outcome of your legal matter.  About:  Michael Kushner is the attorney who pioneered this niche area of the law—representing homeowners in disputes with their HOAs—in California. He created and taught the systems now used by the biggest law firms in the state focused on HOA litigation. Through his firm, MBK Chapman, and now through HOA HELL, Kushner continues to give homeowners practical legal tools to fight back. #D&OInsurance #CaliforniaHOA #InsuranceClaims #HOADisputes #MichaelKushner #MBKChapman #LSCarlsonLaw #LukeCarlson #BadHOA #DavisStirlingAct 🔥 HOA Hell Attorney Michael Kushner, California’s #1 homeowner-side HOA lawyer, shares real legal tools to help homeowners fight back and win against Bad HOAs.👉 Got an HOA nightmare? Submit your question at [email protected]. Or learn more about your rights as a homeowner by visiting: https://www.mbkchapman.com/fact-sheets. 📲 Follow us on:Instagram: @mbkchapmanpc YouTube: HOA HellLinkedIn:  https://www.linkedin.com/company/mbk-chapmanFacebook:  https://www.facebook.com/MBKChapmanX:  https://x.com/MBKchapman Reddit:  https://www.reddit.com/r/hoa_hell/