stephen dorsey wrote:
I'm thinking it's all homeowners not a individual homeowner.
In that case it should be:
(you still need an apostrophe, it just goes after rather than before the final S)
That's one of those English things that can drive you crazy. There is a grammatical difference between homeowners guide and homeowners' guide but they have the same meaning. The possessive form seems logical but insurance companies offer homeowners insurance. "Pet owners guide" is common in book titles, often with with dog, cat, rabbit, etc. replacing the word "pet." Lots of states have employees credit unions. I've seen both teachers lounge and teachers' lounge many times and I've seen firefighters equipment and firefighters' equipment.Students union and students' union are both used to describe groups of students working together (but they meet in a building called the student union ). Patrons' right to privacy is a frequent topic of conversation in libraries. There's Parents Magazine with a plural noun no apostrophe, but Reader's Digest with a singular possesive noun. I'm sure everyone's stopped reading by now, so I'd better quit.