Archive for the ‘Community’ Category

Eco-Friendly Ganesh Festival in Your Community

Thursday, September 2nd, 2010
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The most serious impact of the Ganesh festival on the natural environment is due to the immersion of idols made of Plaster of Paris (POP) into lakes, rivers and the sea. POP contains chemicals such as gypsum, Sulphur, phosphorus, and magnesium. The dyes used to color these idols contain mercury, cadmium, arsenic, lead, and carbon. Plastic and thermocol accessories are used to decorate these idols. Such materials are not biodegradable, hence they are toxic. The water experiences a rise in acidity as well as traces of heavy metal. The toxic waste kills plant and animal life in the water. People who use water polluted by these immersions experience a host of health problems such as infections of the lungs, and diseases of the skin, blood, and eyes.

Rituals and tradition

Ganesh Chaturthi or Ganesh festival is a very popular festival of India. Lord Ganesh is widely worshipped as the supreme god of wisdom, prosperity and good fortune. Ganesh Festival is celebrated all over India as the birthday of Lord Ganesh. Ganesh Chaturthi starts with the installation of these Ganesh statues in colorfully decorated temporary structures mandapas (pandals). A life-like idol of Lord Ganesh is made 2-3 months prior to the Ganesh festival. The whole community comes to worship Ganesh in beautifully done tents or Pandals. On the final day, the idol is taken through the streets in a procession accompanied with dancing, singing, to be immersed in a river or the sea symbolizing a ritual see-off of the Lord in his journey towards his abode in Kailash while taking away with him the misfortunes.



Environmental Impact of Ganesh Festival


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  • Ganesh idols are made of plaster of Paris (POP). POP dissolves slowly, gradually releasing its harmful components. The toxic waste kills plant and animal life in the water.
  • Plastic and thermocol waste, including polythene bags containing offerings, is usually immersed with the idols. It also obstructs the flow of streams, leading to flooding during the rains. The stagnant water become a breeding ground for diseases and is a major health hazard for a locality.
  • Residents who use water polluted by these immersions experience a host of health problems.
  • The chemical paints used to adorn these plaster icons themselves contain heavy metals like mercury and cadmium. Hence they are toxic for environment.
  • The day after the immersion, shoals of dead fish can be seen floating on the surface of the water body as a result of this sudden increase in the level of acidity in the water.
  • Song and dance are an integral part of the Ganesh Chaturthi celebrations. Ear-splitting decibels are not just disturbing, but a major health hazard for senior citizens, Children and patients in the locality or neighborhood.

Celebrating Eco-friendly Ganesh festival

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You can celebrate your Ganesh festival without affecting or disturbing environment. Eco-friendly Ganesh festival enables you to celebrate festival grandly without harming environment and other living beings. Following are some important ways to celebrate Eco-friendly Ganesh festival.

  • Natural idols not only help environment but maintain Vedic significance of Lord Ganesh. Return to the traditional use of natural clay icons and immerse the icon in a bucket of water or a tank specially made for the purpose.
  • Ensure that the dyes used to color the idols are organic or vegetable in origin.
  • Ban on the immersion of plaster icons into lakes, rivers and the sea.
  • You can use idol of stone or metal for ganesh festival and symbolically immerse this in a bucket of water, or even carry it in procession to the sea, hold it under the water, and then bring it back home. Use the same idol for next year on ganesh Chaturthi.
  • Devotees bring fruits and flowers as offering for lord ganesh on the festival day. Polythene bags containing offerings, is usually immersed with the idols. Therefore, Say no to Polythene or plastic on this ganesh festival.
  • Banning or reducing the use of loudspeakers will go a long way in reducing noise pollution.
  • Encourage people to immerse the icons in tanks of water rather than in natural water bodies.
  • Offer incentives or prize for Residents or communities celebrating eco-friendly ganesh festival.
  • If one is using a POP idol, simply sprinkling a few drops of water on it as a symbolic immersion and donating the idol to be recycled for the following year.


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10 Easy ways to Prevent Mosquitoes in common Area

Wednesday, August 11th, 2010
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  • The most effective way to reduce the number of mosquitoes around homes and neighborhoods is to find and eliminate their breeding sites.
  • Change water in bird baths and wading pools at least once a week and keep swimming pools cleaned and chlorinated. Ornamental pools can be aerated or stocked with mosquito-eating fish. Aeration / water movement helps because mosquitoes prefer quiet, non-flowing water for egg-laying and development.
  • Use citronella scented candles and Tiki torches with citronella. In order for citronella candles to be effective, place a mass of them surrounding the area where people gather.
  • Eliminate standing water by unclogging roof gutters, emptying children’s wading pools and swimming pools at lease once a weeks, getting rid of old tires in the lawn, emptying used containers in the yard, turning any unused containers upside down so they can’s collect water.
  • Attract birds and mammals that feed on mosquitoes to the lawn. Blue Martins and bats feast on mosquitoes and can keep them at bay.
  • Make sure windows, doors, and porches are tightly screened and are free of holes.
  • Repair any leaks and/or eliminate puddles that may have formed around faucets and window air conditioner units.
  • Under construction properties and debris in common areas are mosquito-breeding grounds. Ensure the builders or workers carry out precautionary measures includes fogging and elimination of water accumulation which has resulted in larva formation.
  • Clogged rain gutters are one of the most overlooked breeding sites for mosquitoes around homes. Remove any standing water on flat roofs or around structures. Repair leaking faucets and air conditioners that produce puddles for several days.
  • Take some time to do a walk around your apartment common areas looking for locations where water can sit. When you find them, dump them out and reposition them so they can’t hold water.



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10 Tips For Gardening In Monsoon

Wednesday, August 11th, 2010
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Monsoon is the best season for planting, and also for preparing the existing plants for taking in the full pleasure of nourishment. Planting trees at this time reduces much of your labor on their establishment and maintenance. All sizes of trees and shrubs can be planted during the rainy season if you give careful attention to watering. The best way to welcome monsoon is planting tress and preparing the existing plants for nourishment. Following are some important factors to be taken care for your garden at the time of monsoons.

  • Be careful to check your drainage system in the compound and garden. Water shouldn’t be allowed to stagnate in the garden as it can make plants rot easily.

  • Frogs and toads are a gardener’s best friends. They are voracious insect eaters. Encourage them with moving water or with a small stream or pond.

  • The Rain tree, Ficus varieties and Peltophorum are some of the fast growing trees with weak stems. They branch out and form a reasonable amount of shade within a short period of time.

  • Mimusops elengi, Spathodea, Lawsonia, Tabebuia, Cassia and Saraca are some of the slow growing trees with lesser adjacent disturbance. If you are planning a long term project you may plant these trees in sacks and maintain them till the near completion stage of the project. By which time the trees would have reached a reasonable height and planting them at the desired site would help in providing instant greenery.

  • Earthworms are a gardener’s friend. They not only aerate the soil by tunneling down about five feet, they also fertilize it.



  • If your gardenia leaves are turning yellow, mix a cup of rotted manure or cottonseed meal into the top layer of soil and keep moist.

  • Pruning and application of fertilizer are the two important tasks awaiting a gardener soon after summer. Removal of dead growth encourages the plants to throwing fresh shoots, while manure helps in expediting the growth with ample nourishment.

  • Application of pesticide is much needed once fresh shoots appear after pruning. External application of pesticides will kill the sucking pests that prefer fresh leaves.

  • Insects need to be culled manually as they are numerous and proliferate during monsoon. Having the insects attracted to lights, with a bowl of kerosene placed beneath, is one way of eliminating them.

  • Set your indoor plants outside in Monsoon. They will like a bit of rainwater, it is the humidity that they love.
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5 Qualities of a Good Tenant

Thursday, July 15th, 2010
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Here are five qualities of a Good Tenant

  • Comply with the conditions: Read your rental or lease agreement and comply with condition of rental agreement. Refrain from damaging the premises or from allowing your guests or friends to cause damage. Pay Rent, water and electricity bill in time.
  • Good Reference: A landlord always checks the background of their prospective tenant before giving their premises or property for rent or lease. It is very important to have good and pleasing relation with your previous landlord for your good reference.
  • Repair in Time: For things that need to be replaced, checked or fixed in your house, do it if you can or hire someone to do it for you. Check your agreement, if you are entitled to seek help from your landlord about it. Some landlords repair or replace things free of cost for good tenants.
  • Clean up and keep things in order: If you have visitors over, make sure to limit your party time or go someplace else to continue the fun. Keep your rental unit clean, and properly dispose of garbage.
  • Prior Notice: Give prior notice to your landlord if ever you have plans of moving as stated on your lease agreement. Don’t forget, your landlord will serve as your reference to the next. A good tenant finds it easy to get back their security deposit and settle things smoothly with their landlord.




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Tips for Safety at Summer Camp

Thursday, April 1st, 2010

Summer camp plays vital role in helping parents to entertain their children and develop their talents, creativity and keep children busy till school re-opens. Summer camp can be an exciting and enriching time for your children. Summer camp varies from one day camp to a month or two months camp and focuses on your kid’s interest such as dance, music, adventure games, art or a sport etc. Summer camp starts by the end of March as and when your children get vacation from their schools. But there are several factors to take into consideration when deciding summer camp for your kid or children. Camps without appropriate guidelines can put your child at risk from insufficient supervision, injury and maltreatment or bullying.

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Ensure Your Children are Safe at Summer Camp

There are thousand of camps which appear to be similar, but each camp has its own objective. Before you choose a summer camp for your kid or children, ensure that the summer camp you choose is safe for your kid or children. Following are some tips for safety of your kids at summer camp.

Know details of activities planned: It is the right and duty of parents to know what is objective of summer camp or what are they trying to accomplish and activities planned in summer camp such as daily routine, special activities planned in summer camp etc. Knowing these things helps you to choose summer camp that suits best for your children and keep your children safe at camp.



Staff member training and background: To understand what the counselors are taught, and by whom, you may want to see the training curriculum and training materials. Ask about the camp’s screening process, and review the materials the camp has gathered concerning the counselors, including their backgrounds, their swimming, driving and criminal records, and their prior employment histories.

Safety and emergency plans: Emergency plan is one important plans required to have in summer camp. The camp organizer must have provisions and medically trained staff to handle emergency or incase something goes wrong. Ask questions such as Do counselors receive first-aid/CPR training? Is a first-aid kit brought to events?

Ratio of staff members: Check that the staff-to-child ratio is appropriate for different age groups. It is recommended to have One staff member for every five campers ages 4 and 5,every six campers ages 6 to 8, every eight campers ages 9 to 14, every 10 campers ages 15 to 17 respectively. Also ask who will be driving kids on field trips and how kids are restrained in the vehicles, and make sure you’re comfortable with the answer.

Checklist for camp: You can ask for checklist or list of items you need to provide when your kid or children attending the summer camp. Ask whether camp organizer has mad arrangement for foods, bedding and extra blankets etc required for your kids and other campers. Ensure that food and water provided in camp is hygienic for your kid.

Before choosing a summer camp, make a list of summer camp that is safe for your kid and discuss with them which summer camp would they like to go for this vacation. Summer camp you choose must not only be an entertainment for your kid but also develops talent and skill of your kid. Some children like adventure summer camp such as trekking, rock climbing or some adventure activity in them. You should not restrict them considering its risk but you need to help your kid to attend them by taking precaution and safety measures. Asking school teacher or discussing with your friends or parents of your kid’s friends can help you to choose best summer camp in your locality. You can also consider conducting summer camp in your locality with help of other residents in your apartment.



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Community Garden for Your Apartment Complex

Wednesday, March 10th, 2010

A community garden is not a new concept or technique of harvesting or gardening. Community gardening can be relaxing hobbies and bring little green to your neighborhood, town or city. These community gardens are a great way to get both children and adults involved in beautifying the neighborhood community while working with nature. Community gardens, along with offering many other benefits, add to the diversity to the urban world. Gardens in the urban environment contribute to increasing diversity of land use, activities, cultural traditions, and bio-diversity. Community gardens come in all shapes and sizes.

Community Garden

Community gardens are a fantastic way to get in touch with nature again, particularly in highly urbanized cities.A community garden is a green space cultivated on common land by a group of people. You can grow flowering plants, vegetables, fruits or even trees.Community gardens are supported by a variety of larger organizations such as a particular company, a church group, a band of close friends or even apartment owners association/ RWA in one locality or neighborhood. The benefits of today’s community gardens then pertain to social and physical aspects of the environment.Community gardens offer a deeper ecology within today’s urban environment.

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Advantages to Community Garden

When comparing with private gardening or balcony gardening, community garden has number of advantages. Community garden are for those who live in apartment building without a balcony or access to green space, locations completely shaded by large trees, or the soil in the yard is not hospitable to growing edible plants.

Community garden helps beginners to meet experts and learn more about gardening by working with them. Many community gardens are equipped with garden tools such as shovels, rake, wheelbarrows, buckets and watering cans, all of which are available for members of the garden to use. Gardeners can bring extra seeds from their collection for trading with other gardeners. Compost is easy to generate and maintain when many gardeners are contributing to the pile.

Starting a community garden

There are many ways to start a community garden. It is recommended to organize a meeting of interested people in your neighborhood, apartment complex or friends, family, gardening and horticultural societies etc. Following steps can be adopted to organize or start a community garden in your neighborhood.

  • Planning Committee: The secret of success in community garden is involvement of one and all members associated with it. Form a planning committee and rules or duties for the members. If the project is meant to benefit a particular group or neighborhood, it is essential that the group be involved in all phases. Make a list of what needs to be done.If your community garden has a budget, keep administration in the hands of several people.


  • Land for cultivation: Obtain a land for lease or rent for cultivating of plants in garden. Ensure you choose a land and location that suits best for your community garden. Decide on plot sizes, mark plots clearly with gardener’s names.Include plans for a storage area for tools and other equipment, as well as a compost area.Lay out garden to place flower or shrub beds around the visible perimeter. This helps to promote good will with non-gardening neighbors, passersby, and municipal authorities. Organize volunteer work crews to clean it, gather materials and decide on the design and plot arrangement.
  • Organize garden: Set up written rules which gardeners are expected to uphold. Members must decide how many plots are available and how they will be assigned. How will plots be assigned such as plots by family size, by residency, by need, by group– i.e., youth, elderly, etc. Allow space for storing tools, making compost and pathways between plots.
  • Communication: Good communication ensures a strong community garden with active participation by all. Include main ideas to consider in management, along with many different ways to carry them out. Have regular meeting and opportunity to meet members each other. Have regular celebrations and gardening show such as flower show, exhibition and sales of seed or plants etc.
  • Garden insurance: Garden insurance is a new thing for many insurance carriers and their underwriters are reluctant to cover community gardens. This helps you to cover loss due to theft or other accident in your community garden.

Community garden is growing trend is growing cities and urban areas where people don’t have place to grow their plants or vegetables. Start your community garden in small or medium size that can be operated easily. If your group is new, have several planning meetings to discuss your program and organization. Try out suggestions raised at these meetings and after a few months of operation. Consider creating a special garden just for kids–including them is essential. In order to offer a high quality community garden program, good management techniques are essential. Ground rules help gardeners to know what is expected of them. Angry neighbors and bad gardeners pose problems for a community garden. Choose bye-laws carefully so you have procedures to follow when members fail to keep their plots clean and up to code.

Connect with the Gardening and Landscaping Companies, Experts.. click here.



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Balcony Garden in Your Apartment

Friday, November 20th, 2009

Gardening is one of the hobbies that bring you close to nature or environment. The word garden brings the picture of beautiful flowers. Today cities are growing fast and space around us is decreasing. You may be one of them living in apartment and found of growing plants or enjoy gardening. You can try balcony garden that best suits your lifestyle and allows gardening in limited space of your apartment. The plants on an outdoor balcony will usually be enjoyed indoors as well, so be sure to plant eye-catching displays where they can be viewed through glass doors.

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Things required for successful balcony garden

  • Planning: Planning is first and important thing you need to consider before starting your balcony garden. There are number of plants available in your neighborhood or nursery for your balcony garden. Before you start your balcony garden, make sure your building management allows you balcony garden. Balcony garden is not allowed in all apartments. Safety is important for balcony garden. Ensure that your balcony can handle weight of your plants or garden.
  • Research or knowledge: Before you start your balcony garden, you need to make good research about your plants and know the things required for your plants such as how often you need to water your plants, whether plants need sunlight or plants prefer shade. You can contact experts or nursery in your neighborhood for more knowledge on plants and its growing conditions. Spend some time reading, looking for information on plants or ideas focus on balcony gardening. Vertical Gardening is also well suit for gardening in a limited space. Today there are number of sites which will help you to choose plant that grows best in your city or neighborhood.
  • Container: Balcony garden is also known as container garden because plants in balcony garden are grown in containers of various size and shapes. If your ceiling can support weight of your basket or container, you can try hanging basket for your balcony garden. It gives attraction and beauty for your balcony garden.
  • Number of plants: If you are a beginner in balcony garden or gardening, it is better to limit the number of plants in your garden. It is not important that your garden must be filled with plants but it is important that you give proper attention to all your plants. Success of your balcony garden depends on your planning and time you spend with your plants or in your garden. Since you only have a small area to work with, you need to be space conscious.
  • Potting Soil: Most local garden centers will offer packaged potting soils that are ideal for containers, the key is to ensure the mix is not too high in organic matter. Potential balcony gardeners should always check their allowable weight restrictions as a safety precaution.
  • Sunlight and water: Adequate sunlight and water is important for the growth of plants. Ensure that your balcony gets adequate sunlight and water your plants at regular interval. Ensure that water from your plant does not drain to your neighbor’s house.
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Plants for your balcony garden

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  • Grandiflora petunias: Many summer bedding plants are suitable in a sunny, balcony location. Try grandiflora petunias, graced by big, bright flowers, or compact salvias with red blossoms on strong, stocky spikes.
  • Annuals: Annuals are also known as seasonal flowering plants which flower only for three to four months. They are normally grown through seeds.
  • Biennial: A plant that takes two years to grow from seed to fruition, bloom and die or a plant that lasts two years is a biennial. These seasonal flowering plants flower only in the second year of planting.
  • Shade loving plants: Experiment with shade lovers including climbing or trailing ivies like impatiens or browallia to brighten sheltered areas.

Plants can dramatically change the way your balcony looks and feels. Countless apartment dwellers enjoy the pleasures and relaxation of creating and tending to a balcony garden. Many types of gardens can be created on balconies. With the addition of floral color, a balcony becomes an entertainment center just right for relaxing. Balconies even offer the opportunity for food production, with flowering fruit trees and container-grown herbs and vegetables.

Suggested Experts:
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Longitude Architects & Interiors, Bangalore
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Modern Home Security Systems

Thursday, October 1st, 2009

Security system is one of the effective ways to secure your apartment and family members. Today you can get number of security system that protects your apartment building from fire, theft, trespassing and vandalism. The design or system you choose for safety and security of your apartment or family must be customized to meet your need. Modern safety and security system is specially design to meet your need and eliminates drawback of old or outdated system which can be easily break-in by burglar or trespassers.

Home security safety of belongings

Today home security systems fulfill a wide variety of roles, from monitoring of your personal property to signaling the police in case of a break-in. Security system for home and apartments were considered luxury in recent past but today it is indispensable means of security and safety or apartment and family members. Here are some modern safety and security system that protects your apartment and family members from fire, trespassing and break-in.

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Heat detector:

A heat detector is a device that responds to changes in ambient temperature. Heat detectors can also be further broken down into two main classifications of activation, “Rate-of-Rise (ROR)” and “fixed temperature”. Rate-of-rise (ROR) heat detectors react to the sudden change or rise in ambient temperature from a normal baseline condition where fixed temperature heat detectors react when the ambient temperature reaches a fixed point. A heat detector will nonetheless notify of a fire in a kitchen or utility area, where smoke detectors should not be installed.

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Digital security camera:

Digital cameras are easy to install yourself, and unlike analog CCTV cameras, you can choose where to put your cameras and reconfigure them according to your needs. Digital security cameras provide much higher resolution than their analog counterparts. While installing camera in apartment, it is important to protect privacy of residents in apartment. Cameras should only be installed in public places like entrances, parking lots, kids’ playground and laundry rooms. Since so many people enter and exit apartment complexes each day, it’s possible that vandals can slip in undetected and damage your property or camera system.

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Fingerprint door lock:

Modern fingerprint door lock is designed to fit different types of doors, manufactured from different materials. Finger print door locks are one of the best ways to respond to this increased threat. With the ever-rising crime rate, you can rely upon fingerprint door lock to construct a security guard at our doorsteps. If you want the finger print unit to be installed outside, the fingerprint lock must be weatherproof and fitted to a good quality external solid door. Finger Print Door Locks are easy to install and no more difficult than fitting a traditional lock.

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Central Monitoring System:

This system enables you protect your property and provide critical information in the event of robbery or litigation is to have the incident recorded with a Digitally Video Monitoring System. In case of an alarm including fault, the panel automatically dials the Central Monitoring Station and transmits the nature of alarm. The Security Alarm System can be armed / disarmed / silenced / reset through the key pad provided password.

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Wireless alarm systems:

Wireless alarms are easier to assemble and position. The alarm system will continue to function if the power goes out of the house. Wireless systems operate via radio signals and have the capacity to alert the police or a security in case of break-in.

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Carbon monoxide detector:

Carbon monoxide (CO) is a colorless and odorless compound produced by incomplete combustion. It is often referred to as the “silent killer”. Carbon monoxide detectors are designed to measure CO levels over time and sound an alarm before dangerous levels of CO accumulate in an environment, giving people adequate warning to safely ventilate the area or evacuate. CO detectors do not serve as smoke detectors but CO detectors go into alarm and warn people about dangerous CO buildup caused.

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Celebrating Dussehra in Your Community

Thursday, September 17th, 2009

India is land of festival where people celebrate festivals with devotion, joyous, distributing sweets and gifts. Dussehra is one of the important festivals celebrated all over India. The festival marks the victory of good over evil, light over darkness. You can celebrate this dussehra with a lot of fun and entertainment in your apartment or community.

The Ravana

The Ravana

The Ram

The Ram

Legend:
The festival is celebrated for ten days and last day of festival is considered as victory of good over evil. In the northern part of India, festival marks the victory of Lord Ram over demon king Ravana. On tenth day of dussehra, effigy of Ravana, his brother Kumbhakarna and son Meghnad are burnt in open spaces. As a part of the celebration Ram Leela (drama depicting the episodes from the lives of Ram, Sita and Lakshman) are staged in different regions of the country.

In south India, it is celebrated as navaratri. “Nava” means nine, “ratri” means night, and tenth day is known as Vijayadasami which marks victory of Goddess Durga over demon Mahishasura. The first three days of navaratri are dedicated to Mahalakshmi, goddess of wealth and prosperity, the next three days are dedicated to the Saraswati goddess of learning and arts and the last three days are dedicated to Mother Goddess, Durga. Tenth day marks victory of goddess durga over demon Mahishasura.

Dussehra is celebrated in Punjab after nine days of fasting during Navaratri while Garba dance and music reigns the evenings and nights of Gujarat during the ten days of the festival. In Mysore the festival is celebrated by the famous gala procession of richly bedecked elephants on the brightly lit streets of the city on. Ram leela (Ramayan) shows are very popular in Uttar Pradesh, Madhya Pradesh and to an extent in Maharashtra. Although Dussehra is celebrated in different ways across India, the motive remains the same - celebrate the victory of good over the evil.

Celebrating dussehra in your community:
Apartment owners association can organize an event or games for entertainment of residents in your community. You can also invite yours neighbors for this celebration or distribute sweets. This will help you to know each other and build up friendship with your fellow residents in the community. Here are some tips for celebrate this festival and making it a memorable moment.

  • Events of cultural program: Events or cultural program adds color and mood for festival. You can volunteer with your apartment owners association to organize cultural program or special events for entertainment of children, and residents of your community.
  • Musical Chair: Musical chair not only entertains participants but also viewers. It adds fun and entertainment for festival or celebration in your apartment.
  • Passing the ball: This is similar to musical chair and most entertained by kids and youth. When music is played, participants will pass the ball and when music ends the person who is holding the ball will be out from the game.
  • One minute to know your neighbor: This is a simple game and helps you to know your neighbor and enjoy the fun of game. In one minute you need to ask your neighbor his/her name, interest, hobbies, profession etc. Participants need to contact as many neighbors as possible and at the end of game you have to tell the information you collected in each minute. The participant who has collected the most information and tells correctly is declared as winner.
  • Action game (Dumb Charades): Children always love to play this game. In this game a song or film name should be acted and others had to guess the name of song or movie seeing the gestures or action. It adds entertainment for the celebration and can be played by anyone.
  • Drawing and Painting competition: Owners Association can conduct drawing and painting competition to find talents in your apartment. Competition can be based on any theme or social awareness program.

You can take pictures or photos of the event celebration in your apartment and share them with other neighbors at your apartment CommonFloor. You can conduct events and social activities for entertainment of residents in your apartment. Remember, while celebrating festivals you should not harm environment and other living being. Your festival and celebration should contain some awareness program along with fun and entertainment. Discuss your ideas and plans with your neighbors and association to make this festival memorable. If you have some experience or ideas for conducting such events or games, you can share with other apartment owners or residents to celebrate this dussehra with games, social activities and distributing gifts or sweets.

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Joint Home Insurance by Owners Association

Thursday, September 3rd, 2009

Home owners association is association formed for maintenance of apartment and welfare of residents in the apartment. Homeowners association collects maintenance charge for common area and amenities in apartment. It is also the duty of the homeowners association or apartment owners association to provide the option of home insurance to its members.

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Home Owners Association Insurance vs. Individual Homeowners Insurance


Homeowners’ association insurance generally designed to cover risk or damage for common area and amenities in the apartment.  In individual homeowner’s insurance, insurance mainly covers one’s residential home with all of its contents.

1.  Homeowners’ association insurance policies cover:

  • Damage for building, amenities or common area
  • Structure coverage (your roof, gutters, pool, etc.)
  • Employee dishonesty and
  • Theft errors

2.  An individual homeowner’s insurance policy on the other hand covers:

  • All structural aspects of your unit
  • Personal liability against injuries/accidents occurring inside the residence
  • Theft of personal property (jewelry, antiques, heirlooms, appliances, electronics)
  • Residential home with all of its contents

Why Homeowners Association Insurance?

Homeowners’ association insurance covers damage for property or building due to fire, theft or any other natural calamities. The scheme also covers risk of employee dishonesty and theft. In case, any member in management committee shows fraud, theft and cause financial liability for the association, insurance company will help association to overcome the situation under the scheme.

For individual homeowners who are member of association, the scheme help to repair or replace the damage caused to building or building structure such as roof, gutters, pool, etc. But individual homeowners also need to take individual home insurance for covering their residential home with all of its contents.

Working of Homeowners Association insurance

Homeowners association  is association for maintaining neighborhood standards and keep property value as high as possible. Homeowners’ association insurance works for minimize damage for building or structure and minimize any possibility of financial loss from an event, peril or single activity. Association insurance works much like business liability insurance because the policy works to cover against overall liability of the financial operations of the association. Homeowners association insurance policies will work for as long as the association is active and pays its premiums. Because of this fact, any damage to association property is covered and the association can collect reimbursement from the unit owner or owners.

How an insurance policy works depends on the different parts of the policy. These parts sometimes include following.

  • Commercial general liability, which works to protect against a range of business liabilities
  • Property insurance, which covers damage to common areas and personal property owned by the association
  • Auto insurance which is needed when an association owns vehicles used for maintenance and security.
  • Also work to cover parkland, wooded lots, pools or recreation areas.

Features that are a part of an Homeowners Association insurance policy work together as part of a simple package or a master package policy. Master polices work to cover more areas including interior and exterior walls, installed appliances, floors, ceilings and often all improvements made since the initial construction of the building. Other coverage included in a policy can be used to protect fences, gatehouses, garages, landscape, signs or antennas.

How an HOA insurance policy works depends on the association by-laws and the policy wording. Most often a policy can cover reconstruction of buildings, wiring, plumbing and bare walls. HOA policies can also work against a unit owner in some cases. This is a possibility when an association requires a unit owner to carry home insurance for their own unit while also paying for HOA insurance as part of the association membership.

What you can do before you make the decision.


Rates charged by home insurance companies generally differ from one to another. Find different rates charged by various home insurance companies and schemes available for your association. Before you make decision consult an agent or broker.

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  • Consult home insurance brokers: Home insurance brokers generally act as a medium between the ultimate customers and the home insurance companies. Consult a homeowner’s association insurance agent. They will be able to explain what the policies cover, advise you on what kinds of coverage and limits to get. Get detailed information on home insurance coverage.
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  • Get homeowners insurance quotes: If you want to save money when paying for two different home insurances obtain several quotes. Just be sure to compare similar plans and pricing.


Homeowners’ association insurance policy works depends on the association by-laws and the policy wording.  The prima payable in respect of every such insurance shall be common expenses. In today’s economy, you can’t put any of your financial assets at risk. Consult home insurance brokers and Get detailed information on home insurance coverage. Just be sure to compare similar plans and pricing before you get one for you.

So, is your Apartment Owners Association having a combined insurance?

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