Homeowners association insurance is essential because it protects the association from lots of potential costs. HOA insurance can include liability insurance, workers compensation, general liability, and other types of liability insurance. The exact coverage your homeowners association needs will depend on the specific details of your HOA. However, you can consult an insurance expert to find out more. You can also consult an insurance expert to find out if there are any Florida homeowners association insurance discounts that you may qualify for. There are certain homeowners insurance discounts that may be applicable. For example, there are discounts for being claims-free, having security in place, home improvements, and more. Consult an expert to find out if any of these apply to you.