We are not only homeowners in GOCA, we are four insurance professionals. Our combined insurance industry experience equals over a century of underwriting, management and agency work. It is our expert opinion the following arguments are valid reasons to vote YES for the HOA Tort Immunity Amendment. CONTROL YOUR MONTHLY MAINTENANCE FEES. Liability insurance is one of our largest expenses. An increase in Premium will be passed onto the homeowner. Tort Immunity is the key to better control. more... See more text