Set up iCloud for your iPhone 5. Follow these steps to set up iCloud: From the Home screen, tap the Settings icon. Tap iCloud. Tap Account. Set an Apple ID and password. Set up your iCloud storage plan. You automatically get, for free, 5GB of iCloud storage.f you must reset your iPhone to factory settings, this backup can automatically restore your iPhone's data. Although iCloud backups are automatic, you can also perform an iCloud backup manually: From the Home screen, tap the Settings icon. Tap iCloud. Tap Storage & Backup.
Homeownersâ Association (HOA). An HOA is a legal entity set up to manage and maintain the neighborhood. Its members usually consist of homeowners in the community.
HOA Master Insurance Policy. Many HOAs carry whatâs known as a âmaster policy.â This policy typically covers the parts of residential structures shared by all homeowners, such as roofs, common walls, lobbies, stairways, elevators, and basements. HOA governing documents should state exactly which areas the HOA insures.Youâll want to verify that the HOA master policy covers everything itâs supposed to cover. If anything is left out of the policy, your investment in your home may be at risk.iability Insurance for HOA Employees. Key HOA employees are responsible for making important decisions about how to manage the property. When an HOA employee fails to do something or acts in a way that causes damage to someone, the HOA may be sued.