FAQ about active
adult communities
Homeowners in mid-life or
older may ponder a host
of changes as retirement
draws closer. One of the more
signifi cant changes homeowners
may consider relates to their
homes. Some homeowners
may be entrenched in their
forever homes, while others
may be considering moving to
a residence that’s more manageable and/or amenable to lifestyle
changes.
A range of variables has drawn people to active adult communities.
A recent survey conducted by SurveyMonkey Audiences for 55+
places found that 64 percent of respondents identify interest in health
and fi tness groups within 55+ communities as attracting them to such
residences, which typically boast a range of additional amenities
that might appeal to adults 55 and over. Adults interested in active
adult communities are urged to contact local representatives of
such collectives to get specifi c information, but the following are
some frequently asked questions that can offer insight into 55+
communities.
Do I need to be 55 to move in?
It’s typical that individuals who aspire to live in active adult
communities be at least 55-years-old, but there might be some
exceptions. For example, a married couple in which one spouse is 55
and the other nearing that age might still be eligible.
Is this a typical senior living community?
Conceptions of communities designated for aging adults vary,
but those who perceive active adult communities as catering to
individuals with chronic illnesses may be mistaken. Active adult
communities are generally designed for residents who are physically
active and want to remain so, and many of these communities
feature single-family homes or condominiums owned by the
residents. Health care facilities like gyms are commonplace at 55+
communities, but health care services like medical care and other
features are typically not available on-site.
Do communities feature HOA fees?
Fees are commonplace at active adult communities, where residents
typically do not want to worry about home maintenance tasks like
mowing the lawn or exterior repairs. Fees will vary by community,
but they must be factored in when considering if a community is the
right fi t.
Can I host guests for overnight stays at an active adult community?
Residents are typically allowed to host guests for overnight visits
at active adult communities, but the length of stays may be limited.
Some communities limit overnight guest stays to a predetermined
number of days or weeks per year. Each individual community may
have its own rules.
Do I still need homeowners insurance?
Expenses like homeowners insurance are generally not covered in
HOA fees. Residents will need to take out their own homeowners
policies.
What about utilities?
Utilities also are not typically part of the HOA fees, so residents
will need to factor utility costs into their overall budgets when
determining if a given community is affordable.
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