Thank you for your question. I look forward to working with you to provide you the information you are seeking for educational purposes only.
The fee you are paying is a maintenance fee. For these fees the association takes care of (or is supposed to take care of) everything the bylaws say they are to take care of, this includes shoveling, landscaping
, cleaning common areas, repairs of common property or exteriors of buildings. If they are not making repairs that they are required to make, your first step is filing a written demand for repair to the board. If you have done so and they refuse to make them, then your next step is filing an appeal to the board to set the matter on the agenda at their next meeting to order repairs. If they still refuse, you have a right to sue in court for a declaratory judgment, which is a suit where a court orders them to follow the bylaws and make the repairs.
As far as insurance, homeowner
's insurance for a condo is something separate from maintenance fees you are paying to the association. They cannot stop you from getting homeowner's insurance.
As to why all of the townhomes pay the same fee, that is up to the members and the bylaws and if you want to change that, read your bylaws about proposing a bylaw change and submit it to the members who then will have the right to vote on it and it can be changed. However, when you buy in a condo or HOA
you agree to follow whatever those bylaws are, including payment of maintenance fees.