Homeowner Portal
Small Talk

Plain-language help for volunteer boards.

The things that come up between meetings, answered quickly and clearly — so your board can settle them and get on with the evening.

Board basics

Can You Dissolve an HOA? What Small Communities Need to Know

Most small HOAs can’t simply dissolve — the covenants and shared obligations remain even if the association goes away. Here’s why dissolution rarely works, what the real risks are, and what actually s

Ceanne · May 6, 2026 · 8 min read
Insurance

How to Navigate Your HOA Insurance Policy (Without AI)

Not everyone wants to use AI tools to review their HOA’s insurance — and that’s perfectly fine. Whether you prefer reading a printed copy or…

Ceanne · March 9, 2026 · 5 min read
Insurance

How Do I Know If My HOA Insurance Coverage Is Enough?

Having an insurance policy doesn’t mean your HOA is fully protected. The real question is whether your coverage matches what your community is actually responsible…

Ceanne · March 2, 2026 · 4 min read
Insurance

Let’s hope we’re getting the HOA insurance right

Let us all join in the board volunteer’s prayer: Grant me the serenity to accept the coverage requirements I cannot change, the courage to change…

Ceanne · February 25, 2026 · 5 min read
Insurance

How AI Can Help Your HOA Board Make Smarter Insurance Decisions

Reading a 100-page insurance policy shouldn’t require a law degree — but for most volunteer HOA board members, that’s exactly what it feels like. The…

Ceanne · February 11, 2026 · 4 min read
Budgeting

How Much HOA Fee Is Too Much?

How much is too much when it comes to HOA fees, especially for small associations? For board members, finding the right balance keeps communities funded,…

Ceanne · November 11, 2025 · 7 min read
Compliance
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Compliance

Federal laws that impact small HOAs

HOAs are governed mostly by state law, but six federal statutes apply no matter where your association sits — and violating one has consequences even when nobody meant to.

Ceanne · February 22, 2025 · 3 min read
Board basics
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Board basics

HOAs run better and easier with an online portal

Board records in a banker's box and dues paid by cheque still happen. Seven things a shared portal changes for a small association, for boards and owners both.

Ceanne · April 30, 2024 · 3 min read
Budgeting

Small HOA basics: Reserve studies

Reserve studies intimidate small boards more than almost any other topic. Six basics — what one is, whether you need one, when, and who does it.

Ceanne · March 5, 2024 · 5 min read
Board basics
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Board basics

What is HOA transition and turnover?

Transition is when control of the association passes from the developer to the homeowners. What actually changes hands, when it happens, and the five steps involved.

Ceanne · December 12, 2023 · 2 min read
Compliance
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Compliance

Annual meetings in small HOAs

Every HOA has to hold one, and small associations are the most likely to skip it. Why the annual meeting matters, what has to happen at it, and what a missed one costs.

Ceanne · August 24, 2023 · 5 min read
For owners
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For owners

For owners only: HOA management: What’s in it for me?

A professional manager can look like a benefit to the board and a cost to everyone else. Seven things owners get out of it — access, records, and a smoother sale.

Ceanne · May 9, 2023 · 3 min read
Board basics
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Board basics

Full service or self-managed? There’s a third option.

We talk to so many volunteer board members who are frustrated that they’re not getting what they’re paying for with their current management. And others who feel like their board service is a full tim

Ceanne · March 10, 2023 · 2 min read

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