Single-family HOA master policies cover shared amenities, not your dwelling. This guide shows Las Vegas and Henderson homeowners how to identify loss assessment gaps, understand special assessment triggers, and adjust coverage before the board sends the next invoice.

HOA insurance in Nevada is really two policies in conversation: the HOA master policy and your individual homeowners or condo policy, plus the gap between them. This guide breaks down what a Nevada HOA master policy typically covers, what it almost always excludes, and what a Southern Nevada homeowner in an HOA community should carry on their own policy.