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Homeowner Defenses That Could Be Used in the HOA Foreclosure Process. As an HOA Board member you may be faced with the task of having to make the decision to foreclose on homes in your association. Weâve all been challenged by the financial climate these last few years and it is going to take some time to bounce back.
An HO-3 homeowners insurance policy will cover the structure and your belongings up to the limits defined in the policy. On the other hand, if your home and all of your possessions are destroyed by a falling object or water damage from plumbing overflow, an HO-3 policy will only cover the structure, not your belongings.