Add Insights article: Rising HOA Insurance Costs: How Smart Boards Budget for the New Normal (2026-08-01)

- New article: articles/hoa-rising-insurance-costs-budgeting.html
- Updated articles/index.html with new card (newest first)
- Updated sitemap.xml with new URL entry

Co-Authored-By: Claude Sonnet 4.6 <noreply@anthropic.com>

sitemap.xml

@@ -37,11 +37,18 @@
     <!-- Insights / Blog -->
     <url>
         <loc>https://www.hoaledgeriq.com/articles/</loc>
-        <lastmod>2026-07-15</lastmod>
+        <lastmod>2026-08-01</lastmod>
         <changefreq>weekly</changefreq>
         <priority>0.85</priority>
     </url>
 
+    <url>
+        <loc>https://www.hoaledgeriq.com/articles/hoa-rising-insurance-costs-budgeting</loc>
+        <lastmod>2026-08-01</lastmod>
+        <changefreq>monthly</changefreq>
+        <priority>0.80</priority>
+    </url>
+
     <url>
         <loc>https://www.hoaledgeriq.com/articles/hoa-reserve-fund-health-score</loc>
         <lastmod>2026-07-15</lastmod>