I have password protected each page in my site, and yet, no password requirement is made by the site when I bring up the site. I need this for my HOA and since financial reports and other information about the owners are in here, I need it to be owners only. How can I make this happen? I’ve tried a few widgets, they didn’t seem to work either. Thanks.
The functionality you need cannot be provided by a theme and WordPress does not offer this “out-of-the-box”.
Password protecting a page (or post) is not the same as password protecting the whole site. I think you would need a membership plugin to accomplish what you want. There a quite a few available and I would suggest looking through the membership plugins, read the reviews and try one or more of them to see which one would be the most suitable for your needs.