Insurance: Who Covers What
How insurance responsibilities are usually split between the association and individual owners, and where governing documents and lenders come in.
ResourcesLaws, Guides and Tools
Laws, Guides and Tools
for Your Association.
Official laws, outside guides and tools we point boards to, organised by state. Pick your state to see what applies to you.
For every state
Preventing Fraud and Embezzlement
Controls a board can put in place, from knowing every bank account under the association's tax ID to the warning signs of theft.
HOA Taxes: What and When to File
Why most associations must file federal and often state returns even as nonprofits, and which kinds of income can be taxed.
Reading Your Financial Statements
How cash, accrual and modified-cash accounting change what the association's financial reports actually show.
Handling Delinquent Assessments
The board's duty to collect, what an effective collection policy contains and why it must be shared with every owner and enforced consistently.
A Uniform Collections Policy
Why handling late dues case by case is risky, and how a written collections policy applied the same way to everyone protects the association.
Preventive Maintenance Planning
Why a disciplined maintenance plan protects safety, insurability and property values, and keeps repair costs from becoming emergencies.
HOA Financing Options
When an association loan makes more sense than draining reserves or levying a large special assessment for a capital project.
When Raising Dues Is the Right Call
How operating and reserve budgets drive assessments, and the legitimate reasons a board may need to increase them.
Preparing the Annual Budget
A practical sequence for budget season: forming a budget task force, surveying owners and planning ahead instead of reacting.
Realistic HOA Budgeting
How the annual budget sets assessments, and how realistic numbers, clear communication and easy payment options keep a community funded.
Investing Reserve Funds
How boards weigh deposit coverage, liquidity and return, check state rules and put a written investment policy in place for reserve money.
These links are for general information and are not legal advice. Statutes change; confirm the current text with the official source and your association’s attorney.