Leisure Village Insurance: What the HOA Covers and What You Need
By Tricia Garcia, Senior Real Estate & Inherited Home Specialist | Real Estate Toolbox | Updated November 2026
THE SHORT ANSWER
In Leisure Village, the Association’s master policy covers the exterior of the homes, including roofs and structure, plus the common areas. Each homeowner must carry their own HO-6 policy for the inside of the home, belongings, personal liability, and upgrades.
Who Covers What
| Item | Association master policy | Your own HO-6 policy |
|---|---|---|
| Exterior walls, roof, structure | Yes | |
| Common buildings, pool, golf course, fitness center | Yes | |
| Common area liability | Yes | |
| Interior walls, flooring, cabinets, fixtures | Typically yes | |
| Furniture and belongings | Typically yes | |
| Personal liability inside your home | Typically yes | |
| Loss of use and extra living costs | Typically yes | |
| Upgrades you have made | Typically yes |
Source: the Leisure Village Association insurance page. Every policy is different, so have a licensed insurance agent review yours. I am a Realtor, not an insurance agent.
Questions to Ask Your Insurance Agent
- Does this HO-6 policy coordinate with the Leisure Village master policy?
- How much interior coverage do I need if I have remodeled the kitchen or baths?
- What happens if the master policy has a deductible and the loss starts in my home?
- Do I need separate coverage for water damage, earthquake, or flood?
- Am I covered for loss of use if I can’t live in the home during repairs?
When You Are Buying
Start on insurance early in escrow, not the week you close. Get a quote on the specific home, and tell your agent about any additions or remodels. If your lender or insurance agent needs proof of the master policy, ask the Association Office at (805) 484-2861, option 2, or office@leisurevillage.org. The Association also has an Insurance Committee for residents with questions.
Fire and Flood
Leisure Village has a 2026 Firewise certificate on the Association’s site. Ask your insurance agent whether it affects your quote. To look up the flood map for a specific address, use the FEMA Flood Map Service Center.
Insurance and Repairs Are Different Things
Who insures something and who maintains it are separate questions. For maintenance, read who fixes what in Leisure Village and check the Association’s Responsibility Matrix.
Frequently Asked Questions
Does the Leisure Village HOA insurance cover the inside of my home?
No. The master policy does not cover unit interiors, personal belongings, or personal liability within a home.
Do I need an HO-6 policy in Leisure Village?
Yes. The Association says each homeowner is responsible for getting their own HO-6 homeowner’s policy.
What does the Leisure Village master policy cover?
It covers the exterior of all homes, including exterior walls, roofs, and structural components, plus common area buildings and amenities, common area liability, and Directors and Officers liability for the Board.
Who do I call about Leisure Village insurance questions?
Call the Association Office at (805) 484-2861, option 2, or email office@leisurevillage.org. For your own policy, talk to a licensed insurance agent.
Questions About Leisure Village?
Call or text Tricia at 805-424-6226, or send us a message. We can walk you through how Leisure Village works before you tour a single home.
