hi, I have a question that I haven't found in earlier discussions, and I'm hoping someone in the forum has had experience with this.

I have a rental condo in a homeowner association in California.  The governing documents are being revised, in part to indicate that each owner is reponsible for any  damage by their tenant(s) - not only in the individual condo/home, but in common areas and other association facilities. Repair costs would, if necessary, be obtained by special assessment or lien.  Apparently this is common wording for recent HOA documents.  It might be ok for HOA's with high owner occupancy and tenants with long-term leases.  However, there are no guarantees about tenant behavior, and for a short-term vacation rental the risk seems higher.  And, the thought of expanding liability to the common areas expands the risk considerably - for HOA's with a clubhouse or other structures; maybe even  something like a fire across the premises.  Ugh.

I  have insurance for the condo itself as a rental, personal property within, and liability.  I haven't figured out how to find insurance that would cover tenant damage to common-area buildings, structures, etc. - I'm not even sure what type of insurance it would be, and whether it's available.  The association has a master policy, but my insurance agent said that insurance coverage follows what's specified in the governing documents, so if our documents are revised the master policy would not cover tenant damage.

Thanks in advance for any input you might have.