HOA Insurance,
Built for Associations
Insurance Built for Associations isn’t just a slogan—it’s how we operate.
HOA Insurance Agency is an independent insurance brokerage focused on one thing: insurance programs for homeowners associations (HOAs) and condominium associations, plus HO‑6 condo unit owner coverage that aligns with the association’s master policy. Boards and trustees make high-stakes decisions. Our job is to make those decisions clear, defendable, and properly insured. Learn More >
Specialists in HOA Master Insurance
We help associations place and manage the core coverages that protect shared assets and governance:
HOA Master Property Insurance (buildings, common areas, replacement cost)
General Liability (slip & fall, premises liability, operations)
Umbrella / Excess Liability (limits above the underlying policies)
Directors & Officers (D&O) (board decisions and governance claims)
Crime / Fidelity (theft, fraud, funds transfer risk)
Ordinance or Law (critical for older buildings and code upgrades)
Our focus is not “cheap insurance.” It’s appropriate insurance that holds up when a claim happens.
HO‑6 Condo Insurance for Unit Owners
Many coverage problems happen because the master policy and unit owner coverage aren’t coordinated. We make it easy to align:
What the association covers (master policy)
What unit owners must cover (HO‑6)
Loss assessment exposure (deductibles, special assessments, shared claims)
If your association’s master policy has large deductibles (including per‑unit water deductibles), HO‑6 coverage is not optional—it’s essential.
A Board‑Friendly Process
Step 1: Review
We review current policies, loss history, key exposures, and governing documents (when available).Step 2: Identify gaps
We flag common HOA issues: deductible structure, ordinance/law, building valuation, water losses, and liability limits.Step 3: Market & negotiate
We shop the account across appropriate carriers and specialty markets.Step 4: Present options clearly
Boards get a clean summary—coverage, deductibles, limits, and tradeoffs.Step 5: Support through renewal
We stay involved before, during, and after the renewal date.
Who We Work With
HOA boards and trustees
Condominium associations / condominium trusts
Property managers
Unit owners seeking HO‑6 coverage aligned with the master policy
If your HOA renewal is approaching—or you want a second opinion—start with a quick review.