Most HOAs Are Underinsured, Overpaying, or Both.

Associations across the country are facing an HOA insurance crisis. Premiums are increasing 20–100% annually, and carriers are non-renewing policies at record rates. Don't let your community face:

  • Catastrophic Coverage Gaps: Wildfire, hurricane, hail, and flood exclusions that standard policies often miss.
  • Financial Shock: Massive deductibles and outdated replacement cost estimates that could force your board to issue "Special Assessments".
  • Personal Liability: Board members exposed to lawsuits without proper D&O protection.
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Available HOA Insurance
Coverage Options

Master Policy Coverage

Covers common areas, building exteriors, roofs, siding, and mechanical systems. We ensure shared structures are protected against fire, weather, and catastrophic loss.

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General Liability Coverage

Protects the association from expensive lawsuits regarding bodily injury, property damage, slip-and-fall accidents, and incidents in shared spaces like pools or lobbies.

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Directors & Officers Coverage

Essential protection for board members. Covers legal defense costs against lawsuits involving governance disputes, employment-related claims, or allegations of mismanagement.

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Workers’ Compensation Coverage

Safeguards the HOA's financial reserves against theft, fraud, embezzlement, and financial misconduct by board members, property managers, or employees.

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We Don't Work for Insurance Carriers. We Work for You.

Most brokers just sell a policy and disappear until renewal. As your HOA insurance risk advisors, we act as your dedicated advocates to lower costs and close coverage gaps.

We Create Competition

We don't settle for the first quote we see. We access multiple top-rated carriers (like Travelers, Chubb, and Liberty Mutual) and force them to compete for your business. This competitive bidding process is the best way to drive your premium costs down without sacrificing coverage.

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We Analyze Risk

A policy is useless if it has gaps. We audit your community's bylaws and "Replacement Cost" values before a claim happens. We identify hidden risks—like outdated appraisals or missing ordinance coverage—so your board is never caught off guard.

WHAT HOA INSURANCE COVERS

HOA insurance protects shared buildings and common areas, ensuring your community runs smoothly and stays worry-free.

Property Coverage

Covers shared spaces like roofs, hallways, clubhouses, pools, and fitness rooms from damage caused by covered events. Depending on the policy, it may include just the structure or extend to interior finishes and fixtures.

Liability Coverage

Protects the HOA if someone is injured or their property is damaged in common areas. It can help cover medical bills, legal fees, and settlements, giving your community peace of mind.

Additional Protection

Optional coverage can include protection for board members, maintenance staff, or essential equipment like elevators and HVAC systems — keeping your community safe and prepared.

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Who Needs HOA Insurance?

We provide specialized master policies for every type of community association.

01

Homeowners Associations Protects shared amenities like parks and pools while shielding the board from personal lawsuits.

02

Condo & Townhomes Covers shared structures like roofs and elevators while ensuring strict master policy compliance.

03

Co-ops & Communities Safeguards shared assets and liability risks while meeting critical lender requirements.

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How Much Does HOA Insurance Cost?

Costs vary based on location, catastrophe risk, and claims history. Typical annual premiums range from:

Small Associations (10–50 units)

$5,000 – $50,000

Mid-size Associations (50–200 units)

$50,000 – $250,000

Large Associations (200+ units)

$250,000 – $1,500,000+

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Questions?

While not always a state law, most governing documents (CC&Rs) and mortgage lenders strictly require a master policy to protect the property value.

Yes. Even if state law doesn't explicitly require it, your community’s governing documents (CC&Rs) and mortgage lenders almost always do. If the HOA lets coverage lapse, prospective buyers cannot get mortgages to purchase homes in your community, which crushes property values.

HOA insurance helps protect shared property, reduce financial risk, and shield the association from liability claims. It ensures that unexpected events such as property damage, injuries in common areas, or legal disputes do not place a financial burden on homeowners or reserve funds. Proper coverage also supports long-term planning and community stability.

What is the difference between an HOA master policy and HO-6 insurance?

Yes. Without Directors & Officers (D&O) insurance, board members can be held personally liable for decisions made on behalf of the association.

HOA insurance costs are primarily determined by your location (especially wildfire or storm risks), amenities like pools, and claims history. Annual premiums typically range from $5,000–$50,000 for small associations and can exceed $250,000 for large communities. We help lower these costs by auditing your deductibles and forcing carriers to compete for your business.

If a major claim exceeds your policy limits, the board may be forced to issue a "Special Assessment"—a surprise bill sent to every homeowner to cover the difference.