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Community Associations

A community association is required to carry blanket property insurance or guaranteed replacement cost insurance on the physical structure of all attached dwellings, limited common areas appurtenant to a dwelling on a lot, and common areas in the project, as well as any fixture, improvement, or betterment installed at any time to an attached dwelling or to a limited common area, including a floor covering, cabinet, heating or plumbing fixture, paint, and any other item permanently part of or affixed to an attached dwelling or to a limited common area.

The insurance requirements of the Community Association Act do not apply to projects where the CC&Rs were recorded before 2012 if the CC&Rs specifically require each owner to insure the owner's dwelling.  See § 57-8a-402(3).

Condo Associations

A condo association is required to

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16-6a-908. Insurance
57-8-30. Application of insurance proceeds to reconstruction
57-8-31. Disposition of property where insurance proceeds are insufficient for reconstruction.
57-8-43. Insurance
57-8a-401. Definition
57-8a-402. Applicability of part
57-8a-403. Property and liability insurance required -- Notice if insurance not reasonably available
57-8a-404. Other and additional insurance -- Limit on effect of lot owner act or omission -- Insurer's subrogation waiver -- Inconsistent provisions
57-8a-405. Property insurance
57-8a-406. Liability insurance
American National Property & Casualty Company v. Sorensen (common area as insured location under homeowner's policy) '13
HOA resources and laws annotated
HOA resources and laws annotated