The news about rising insurance costs is everywhere, but there's a bigger, scarier problem: uninsured HOAs. This oversight is a legal violation that can cost your home sale and put every homeowner's personal finances at risk. I’m here to talk about the risks of an expired or missing HOA insurance and how to avoid these issues before it becomes a problem. One way to get ahead of this is by checking the disclosures early and verifying coverage is in place. If you want to hear the rest, just check out my latest video and don't let a missing document kill your closing.