{"id":2739,"date":"2018-07-25T16:58:44","date_gmt":"2018-07-25T20:58:44","guid":{"rendered":"https:\/\/new.greatflorida.com\/blog\/?p=2739"},"modified":"2026-04-16T18:43:17","modified_gmt":"2026-04-16T22:43:17","slug":"living-with-your-hoa","status":"publish","type":"post","link":"https:\/\/www.greatflorida.com\/blog\/2018\/living-with-your-hoa\/","title":{"rendered":"Living with Your HOA"},"content":{"rendered":"

62 million Americans are in a homeowners association (HOA), according to the Community Associations Institute<\/a>. That translates into, 24 percent of U.S. homes belonging to community associations.<\/p>\n

\u201cMost homeowners don\u2019t think about their HOA until a problem arises,\u201d says Dustyn Shroff<\/a>, Vice President of GreatFlorida Insurance<\/a>, Florida\u2019s largest independent homeowners insurance<\/a> agency.<\/p>\n

Houselogic.com<\/a> explains, \u201cEach HOA, a volunteer group of neighbors who manage common areas and community property, creates its own covenants, conditions and restrictions (CC&Rs). These cover resident behavior, architecture and common responsibilities, such as fee schedules and fines for non-compliance.\u201d<\/p>\n

HOA fees are typically paid monthly or annually. They are often based on individual community amenities and the size of a home.<\/p>\n

\"\"<\/a><\/p>\n

Homeowners often have mixed feelings regarding HOAs. Most people appreciate them. The greatest benefits of an HOA include, neighborhood attractiveness, less homeowner maintenance and community safety. These factors also contribute to protecting property values within the community.<\/p>\n

While some homeowners feel trapped by the rules and restrictions of an HOA. Their arguments include aggressive or unresponsive associations that overstep their bounds.<\/p>\n

\u201cIf you do not like someone telling you what to do with your home, being part of an HOA might not be for you,\u201d says Buck, Vice President of GreatFlorida Insurance<\/a>, Florida\u2019s top independent homeowners insurance<\/a> agency.<\/p>\n

Violating HOA rules varies from place to place. HOAs have far-reaching legal powers to collect fines. If you don\u2019t respond to letters from the board, property manager or collection agency, some HOAs can file a lien against your property or have the right to foreclose on your property.<\/p>\n

An HOA board is voted on by homeowners. If neighbors feel the board is unresponsive or overzealous, they can be voted out or change the rules.<\/p>\n

Before buying property regulated by a community association, make sure to carefully read HOA rules and regulations so you know what to expect.<\/p>\n

\"\"<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

62 million Americans are in a homeowners association (HOA), according to the Community Associations Institute. That translates into, 24 percent of U.S. homes belonging to community associations. \u201cMost homeowners don\u2019t think about their HOA until a problem arises,\u201d says Dustyn Shroff, Vice President of GreatFlorida Insurance, Florida\u2019s largest independent homeowners insurance agency. Houselogic.com explains, \u201cEach […]<\/p>\n","protected":false},"author":1219,"featured_media":2745,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[1,10,5,8,9],"tags":[],"class_list":{"0":"post-2739","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-floridainsurance","8":"category-florida-insurance-industry","9":"category-homeowners-insurance","10":"category-renters-insurance","11":"category-umbrella-insurance"},"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/posts\/2739","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/users\/1219"}],"replies":[{"embeddable":true,"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/comments?post=2739"}],"version-history":[{"count":1,"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/posts\/2739\/revisions"}],"predecessor-version":[{"id":13798,"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/posts\/2739\/revisions\/13798"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/media\/2745"}],"wp:attachment":[{"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/media?parent=2739"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/categories?post=2739"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/tags?post=2739"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}