Q: We are a HOA with no condominiums. Most of our homeowners have an 240-volt outlet in their garage to charge their EVs. Does this also qualify for the term ”charging stations” and should we request that homeowners provide us with a copy of their liability insurance, listing our HOA as an “additional insured”? According to CC 4745(4) “(4) A homeowner shall not be required to maintain a homeowner liability coverage policy for an existing National Electrical Manufacturers Association standard alternating current power plug.” — H.K., Fremont

A: You have indicated your home is a planned development and not a condominium, which would imply also that your garages are part of your lots. The requirements of Civil Code Section 4745(f), including obtaining insurance on the charging station, only a

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