I get my insulin from my Endocrinologist at no cost. She started me on Levemir as soon as I came off the pump in January, but this past visit she gave me Levemir AND Lantus because she was short on bottles of Levemir.
The benefits that a homeowner association (HOA) provides to homeowners vary depending on the specific regulations and practices of the HOA. Individuals may also benefit more or less depending on their political standing in the association and the degree to which the community's decisions match their preferences.
HOA insurance typically protects home owners for liability or hazard losses in common areas, but not any personal injuries, negligence or hazard losses inside condominium units. Should the condo project, or building, suffer hazard losses, HOA insurance does not cover damage to the interior of condo units. HOA Master Policy Examination Home owners must examine their HOA master insurance policy before buying their personal coverage. Never assume that HOA insurance protects all issues outside of your unit and common areas. The HOA can purchase coverage that it believes sufficient, but not necessarily cover some important hazards.