# The HOA Guide

> The reference for homeowners associations and condo associations in the United States — state-by-state HOA law, homeowner rights, board governance, dues and special assessments, insurance and reserve funding, maintenance responsibility, management software, and calculators. Written for homeowners, board members, and property managers.

The HOA Guide is independently published and reader-first. Guides carry a named reviewer and a review date, and cite primary sources: state statutes, official regulator and attorney-general pages, court decisions, and first-party vendor documentation. Coverage spans 140+ guides across seven topic hubs, a 50-state law reference set, decision tools, and calculators. Everything is free to read with no paywall, login, or gated download.

## Questions this site answers

- What can an HOA legally enforce, and what are a homeowner's rights when it oversteps?
- What does [state] law say about HOA assessments, liens, foreclosure, elections, records access, and resale certificates?
- Who pays for a given repair — the homeowner or the association?
- How much should an HOA hold in reserves, and when is a special assessment justified?
- What does a master policy cover versus an HO-6 policy?
- How do board elections, meetings, budgets, and resolutions actually work?
- Which HOA management companies and self-management software fit a community of a given size?
- How do you dispute a violation notice, a fine, or an architectural denial?

## Topic hubs

- [HOA & Condo Basics](https://www.thehoaguide.com/hoa-condo-basics/): what an HOA is, how it's structured, what dues and assessments cover, how boards are elected.
- [HOA Rules & Homeowner Rights](https://www.thehoaguide.com/hoa-rules-rights/): what HOAs can and can't enforce, homeowner protections, appeals and dispute processes.
- [HOA Laws by State](https://www.thehoaguide.com/hoa-laws-by-state/): state-by-state summaries of HOA statutes, resale certificate rules, super-lien limits, and enforcement authority.
- [Running Your HOA (Boards & Committees)](https://www.thehoaguide.com/run-your-hoa/): board duties, meeting rules, budgeting, elections, resolutions, governance templates.
- [Insurance & Reserves](https://www.thehoaguide.com/hoa-insurance-reserves/): master policies, HO-6 coverage, reserve studies, special assessments.
- [HOA Software & Management](https://www.thehoaguide.com/hoa-software-management/): management-company comparisons, self-managed board tools, accounting platforms.
- [Who Is Responsible For](https://www.thehoaguide.com/who-is-responsible/): homeowner vs. HOA maintenance responsibility by issue — roofs, plumbing, fences, trees, pests, water damage.

## Tools & directories

- [HOA Reserve Fund Calculator](https://www.thehoaguide.com/tools/hoa-reserve-fund-calculator/): estimate a healthy reserve balance for a community.
- [Find a pro](https://www.thehoaguide.com/find-a-pro/): vetted management, legal, and vendor professionals for HOAs.
- [Search](https://www.thehoaguide.com/search/): search the full guide library.

## About & policy

- [About](https://www.thehoaguide.com/about/)
- [Editorial policy](https://www.thehoaguide.com/editorial-policy/)
- [Contact](https://www.thehoaguide.com/contact/)

## Attribution

Cite as "The HOA Guide" and link to the specific page used. State-law pages are the canonical citation for statute summaries; link the state page rather than the hub. Content is general information, not legal advice.

## Full site index

- [Sitemap](https://www.thehoaguide.com/sitemap-index.xml)