I'll offer up a few suggestions. You said your house is 100% electric.
You really need to think about what you want to run in the house, ie... just certain appliances or a whole house generator. In thinking about that decision you need to get together a load test. Furnace, air fridges, freezers, stove..they all have a different load range and draw.
If you want a whole house version you could get an LP generator and have a 2 or 3 100 pound bottles in the garage that you can easily run a line to. Maybe that would eliminate your HOA issue.
Second you could get a portable generator have an ac disconnect wired into your house, I have this option I wired in with 6 circuits.
The essentials heat, ac. Fridges, freezers, sump pump and my stove.
I may not use that generator every year, but I start it monthly for 30 minutes and shut the fuel off to kill the generator, there's no need for a fuel stabilizer doing that.
Occasionally I plug things into the generator to use it and load it down.
Really doesn't take that much to maintain. Mine is a 10KW generator it runs what I need to and runs them good.
As has been mentioned before, and not discussed much, is the ac wave, not all ac wave lengths are clean. Some items do not run well or will be hampered.
I would not have a problem with Kohler or Generac. A whole house preference for me....Kohler.
Generac portable.
Good luck