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Does HOA insurance cover parking lots and garages?

Discover if HOA insurance covers parking lots and garages. Find out what your policy includes for added peace of mind.

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Reviewed by:

D. Goren

Head of Content

Updated Dec, 6

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Does HOA insurance cover parking lots and garages?

 

Does HOA Insurance Cover Parking Lots and Garages?

 

In most communities, the HOA carries a master insurance policy — a policy covering property the association owns or is responsible for. Whether parking lots and garages are covered depends on how the governing documents define these areas. The documents include the CC&Rs (rules recorded with the county), bylaws, and sometimes a maintenance map.

Parking spaces and garages can be classified in three main ways, and the classification determines coverage:

  • Common area: Property owned by the HOA and used by all residents. Most shared surface parking lots fall into this category. These are usually covered for structural damage, resurfacing after a covered event (like a fire), and liability if someone is injured.
  • Limited common element: Property owned by the HOA but assigned for the exclusive use of certain owners, like deeded garage spaces. The HOA often insures the structure, but the owner must insure their personal items inside.
  • Owner-controlled property: A garage that is part of a unit and entirely owned by the homeowner. The HOA normally does not insure it; the owner’s own policy must cover it.

Coverage also depends on what type of insurance is carried:

  • Property coverage: Repairs damage to structures the HOA is responsible for, like roofs, walls, pavement, gates, or lighting.
  • Liability coverage: Covers injury claims in these areas, such as slips or car damage caused by a failed HOA‑maintained structure.

Common limits: Even when the HOA insures the structure, the policy usually does not cover personal property, vehicles, or damage caused by normal wear, oil leaks, or poor driving. Owners generally need their own auto or homeowner insurance for those losses.

To confirm coverage, check three documents: the master insurance policy, the CC&Rs maintenance responsibilities section, and the HOA’s annual insurance summary. Together they show who pays for repairs and which insurer handles claims.

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