I'm not clear on the relatinhip you mention of being in an HOA and volunteering.
Generally, your personal liability insurance (Homeowners) would cover you. If you are volunteering with an organization, e.g. Boy Scouts, Lions, Rotary, etc they would have insurance. There is some special language that covers you if you are volunteering for the state, e.g. parks trail maintenance, or similar if you are a town volunteer.
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