An HOA board in California wants to ditch a community earthquake insurance plan and have each resident purchase their own policy, but such an approach wouldn't cover the community in a time of disaster, lawyers Donie Vanitzian and Zachary Levine write. Associations are best protected with a master earthquake insurance policy, but residents should also carry individual earthquake policies because having double coverage will help communities rebuild if a natural disaster strikes, Vanitzian and Levine write.

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