Our insurance needs are primarily the exterior, and liability. How should 6 town homes in a quiet retirement community be insured?

Who submits HOA damaged covered insurance claim and what percentage will they pay? What would cause HOA insurance to rise from $22k to $28k/yr

HOA guest caused accidental damage. Board does not want to use master insurance policy

Is HOA responsible to pay for damage to truck from overhanging tree on property

Our insurance agent keeps telling us we need fidelity insurance.  Do we really need it?  Do most condo association policies carry it?

Can Louisiana condo association exclude a unit for flood insurance policy?

Should our condo association be additional insured on owner's policy for party he is throwing on our property?

Should owners join roof inspection? Our property manager says owners should not go on the roof for liability reasons.

Owners commercial use of property creating liability issues for our HOA that we do not need. He is cleaning kids large bounce houses on our property.

Do we have the right HOA insurance incase of named peril? Bylaws state we need board insurance but do we need more?