Introduction
Even if the condo looks perfect, inadequate HOA coverage can make the property unfinanceable, limit buyers to cash offers, and reduce the final sale price.
In this video, Kim Ward with Horizon Real Estate explains why HOA insurance matters and how it can affect your condo sale. She shares real-life examples from San Diego where reduced master insurance caused escrows to collapse and estates to lose tens of thousands of dollars. Kim also explains solutions, like supplemental HOA3 policies, that can bridge insurance gaps and keep sales on track.
With proper guidance, executors and trustees can avoid delays, attract qualified buyers, and ensure the estate receives maximum value. Even if a cash buyer is needed, planning ahead protects the property and the heirs.



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