Homeowner

The Best Homeowners Insurance of 2018 -

How We Chose the Best Homeowners Insurance Companies Financial strength ratings The best way to compare financial solvency among insurance companies is to use financial strength ratings (FSR) from independent agencies. With a higher financial rating, the company is more likely to satisfy large claims (like if your house burns down). Since the whole point of insurance is to protect you financially, it’s vital that your carrier has enough money to pay out its claims — which, in the event of a natural disaster, can be sudden and massive. We set the bar high — our picks needed to have at least an A rating from A.M. Best, the only agency that focuses solely on insurance. Then, because the...

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Homeowner association - Wikipedia

Homeowner association In the United States, a homeowner association (or homeowners’ association, abbreviated HOA, sometimes referred to as a property owners’ association or POA) is a private association often formed by a real estate developer for the purpose of marketing, managing, and selling homes and lots in a residential subdivision. Typically the developer will transfer ownership of the association to the homeowners after selling a predetermined number of lots. Generally any person who wants to buy a residence within the area of a homeowners association must become a member, and therefore must obey the governing documents including Articles of Incorporation, CC&Rs (Covenants,...

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