What can you do to prepare you and your family for an earthquake? Besides the obvious disaster-preparedness plan and collecting supplies for home and auto, you should consider insurance for property loss. Loss consists of personal property and the interior of your residence. The HOA is responsible for Association Maintenance Areas as described in the CCR’s. If structures become damaged, all owners will share in the costs. This is most likely funded through special assessments to all owners. You can cushion your risk by obtaining insurance to pay for any assessments or deductibles. For more information about coverage and costs, visit the California Earthquake Authority website.