HOA vs COA: What Really Changes for Homeowners? Practical Insights with Michael Crew
Update: 2025-11-17
Description
Welcome to Go Gaddis Real Estate Radio! I’m Cleve Gaddis, here to make real estate clear, simple, and worry-free so you can buy and sell with complete confidence and without the stress or second-guessing that often comes with life’s biggest investments.
Today, we continue our conversation with Michael Crew, CEO of Homeowner Management Services, Inc., to talk about the practical side of community governance. Whether you’re in an HOA or a COA, the legal structure of your community affects what you own, what you’re responsible for, and how your property is protected.
Using insights from the attached script, “Making It Legal — and Protecting Your Property,” we break down:
What everyday responsibilities change depending on whether you’re in an HOA or COA
How maintenance, repairs, reserves, and assessments are handled differently
What homeowners must legally maintain vs. what the association maintains
How insurance coverage changes — and the expensive surprises homeowners can avoid
Why understanding your governing documents protects your property value
What rights homeowners gain or lose depending on the structure of their community
Most importantly, we’ll explain why legal clarity matters — and how knowing the structure of your community can save you time, money, and frustration.
Plus, I’ll share details about our Upside Program, designed to give sellers all the options they need to make smart, informed decisions.
If you have a question, want to challenge something you hear, or want us to feature your neighborhood, visit GoGaddisRadio.com to connect or subscribe.
Today, we continue our conversation with Michael Crew, CEO of Homeowner Management Services, Inc., to talk about the practical side of community governance. Whether you’re in an HOA or a COA, the legal structure of your community affects what you own, what you’re responsible for, and how your property is protected.
Using insights from the attached script, “Making It Legal — and Protecting Your Property,” we break down:
What everyday responsibilities change depending on whether you’re in an HOA or COA
How maintenance, repairs, reserves, and assessments are handled differently
What homeowners must legally maintain vs. what the association maintains
How insurance coverage changes — and the expensive surprises homeowners can avoid
Why understanding your governing documents protects your property value
What rights homeowners gain or lose depending on the structure of their community
Most importantly, we’ll explain why legal clarity matters — and how knowing the structure of your community can save you time, money, and frustration.
Plus, I’ll share details about our Upside Program, designed to give sellers all the options they need to make smart, informed decisions.
If you have a question, want to challenge something you hear, or want us to feature your neighborhood, visit GoGaddisRadio.com to connect or subscribe.
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