{"id":214,"date":"2026-07-31T12:00:00","date_gmt":"2026-07-31T18:00:00","guid":{"rendered":"https:\/\/www.comcoinsurance.com\/blog\/?p=214"},"modified":"2026-07-22T18:18:08","modified_gmt":"2026-07-23T00:18:08","slug":"will-the-hoa-actually-find-out-if-i-don-t-get-condo-insurance","status":"publish","type":"post","link":"https:\/\/www.comcoinsurance.com\/blog\/will-the-hoa-actually-find-out-if-i-don-t-get-condo-insurance\/","title":{"rendered":"Will The HOA Actually Find Out If I Don’t Get Condo Insurance?"},"content":{"rendered":"

Most HOA’s require owners to obtain a condo insurance policy. This policy will help pay for damages to the person’s residence, and it can cover things like lawn ornaments or sidewalk damage. Sometimes, the owner’s policy will cover the deductible for the master’s policy, which is used for shared amenities. In most cases, the HOA will find out if you don’t get proper coverage in Mount Prospect, IL. <\/span><\/span><\/span><\/p>\n

Proof Upon Purchase<\/span><\/span><\/span><\/h3>\n

The HOA will likely ask you to provide proof that you have a policy when you purchase the condo. They may contact an agent at a company like Com-Co Insurance Agency Inc to double-check whether you have the appropriate coverage. It’s common for the HOA to ask for a copy of your policy to keep on file. Then, if the HOA updates its policy requirements, it will ask you to update your policy to remain in compliance. Some people think that they can just let the policy lapse later, but it’s not that simple. <\/span><\/span><\/span><\/p>\n

Automated Systems<\/span><\/span><\/span><\/h3>\n

Today, many companies are linked with automated systems that alert others when your policy lapses. This is common for car dealerships that require full coverage policies, and it’s becoming increasingly common with HOA’s that require a certain level of coverage. <\/span><\/span><\/span>
\nIf your policy lapses, the HOA may be notified that you don’t have coverage. Then they can require you to get coverage or start fining you until you have a policy. <\/span><\/span><\/span><\/p>\n

Give us a call instead of taking a chance. Agents here at Com-Co Insurance Agency Inc can help you get the policy you need. Contact us today. We’re currently serving the Mount Prospect, IL area. <\/span><\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Most HOA’s require owners to obtain a condo insurance policy. This policy will help pay for damages to the person’s residence, and it can cover things like lawn ornaments or sidewalk damage. Sometimes, the owner’s policy will cover the deductible for the master’s policy, which is used for shared amenities. In most cases, the HOA […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[6,20,14,17,13],"class_list":["post-214","post","type-post","status-publish","format-standard","hentry","category-insurance","tag-com-co-insurance-agency-inc","tag-condo","tag-il","tag-insurance","tag-mount-prospect"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t