Use of apostrophes in these words?

Question

Homeowners policy & homeowners association... Homeowner's or Homeowners' ??
Help please!
Thanks!

Answer 1

if it's a single homeowner... then homeowner's.

if it's more than one homeowner... then homeowners'.

Answer 2

Homeowner's policy

Homeowners' Association



The general rule is that the apostrophe goes after the word that communicates the number of folks it concerns.



The homeowner's policy is for one homeowner, so the apostrophe goes after "homeowner."



The Homeowners' Association is for all the homeowners of the area, so the apostrophe goes after "homeowners."

Answer 3

s' is correct because the association consists of more than one HO. referring to policy, it's 's because it refers to just one HO