HOA Insurance, Built for Associations
Independent brokerage specializing in HOA master policies and HO-6 condo unit owner coverage. Boards and trustees make high-stakes decisions. Our job is to make those decisions clear, defendable, and properly insured.
Request Insurance ReviewInsurance Built for Associations isn't just a slogan — it's how we operate.
HOA Insurance Agency is an independent insurance brokerage focused on insurance programs for HOAs and condo associations, plus HO-6 condo unit owner coverage aligned with the master policy.
Boards and trustees make high-stakes decisions. Our job is to make those decisions clear, defendable, and properly insured.
About Our Agency >
HOA Master Insurance Coverages We Place
We help associations place and manage the core coverages that protect shared assets, board members, and community governance.
HOA Master Property Insurance
Protects buildings, common areas, and shared assets at replacement cost — the foundation of every HOA insurance program.
General Liability
Covers slip and fall claims, premises liability, operations exposure, medical payments, and legal defense costs.
Umbrella / Excess Liability
Extends limits above underlying liability policies for catastrophic claim protection.
Directors & Officers (D&O)
Shields board members and trustees from governance allegations, decision disputes, and wrongful acts claims.
Crime / Fidelity Bond
Covers employee theft, forgery, computer fraud, and funds transfer fraud — essential for associations handling member dues.
Ordinance or Law
Pays the increased cost when rebuilding must meet current building codes after a covered loss.
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
If your association's master policy has large deductibles, HO-6 coverage is not optional — it's essential.
Learn About HO-6 Coverage
A Board-Friendly Insurance Review Process
Review
We review current policies, loss history, key exposures, and governing documents (when available).
Identify gaps
We flag common HOA issues: deductible structure, ordinance/law, building valuation, water losses, and liability limits.
Market & negotiate
We shop the account across appropriate carriers and specialty markets.
Present options clearly
Boards get a clean summary — coverage, deductibles, limits, and tradeoffs.
Support through renewal
We stay involved before, during, and after the renewal date.
What Coverage Does Your Association Need?
Enter your property address to get a personalized coverage recommendation.
Who We Work With
- HOA boards and trustees
- Condominium associations and condo trusts
- Property managers
- Unit owners seeking aligned HO-6 coverage
If your HOA renewal is approaching — or you want a second opinion — start with a quick review.
Contact HOA Insurance AgencyHOA Insurance by State
We serve condominium associations and HOA boards across six states.
Frequently Asked Questions About HOA Insurance
What is HOA master insurance?
An HOA master insurance policy protects the association's shared property, common areas, and liability exposure. It typically includes property coverage, general liability, and can extend to D&O, crime/fidelity, umbrella, and ordinance or law coverage. The master policy is purchased by the association — not individual unit owners.
What is the difference between HOA master insurance and HO-6?
The master policy covers association-owned buildings, common areas, and shared liability. HO-6 insurance is purchased by individual condo unit owners and covers personal property, interior improvements, personal liability, and loss assessment exposure. Both policies should be coordinated to avoid gaps.
Do condo unit owners need HO-6 insurance?
In most cases, yes. The HOA master policy typically does not cover your personal belongings, interior upgrades, or your share of association deductibles and special assessments. HO-6 insurance fills these gaps and is especially important if your association has large per-unit deductibles.
What states does HOA Insurance Agency serve?
We currently serve HOA and condominium associations in Massachusetts, Rhode Island, New Hampshire, Connecticut, New York, and Oklahoma. Our home office is in Marlborough, MA.
How much does HOA insurance cost?
HOA insurance costs vary based on the number of units, building age and construction type, location, claims history, and coverage limits. We provide free, no-obligation coverage assessments to help boards understand their options and make informed decisions.
What should HOA boards review at insurance renewal?
At renewal, boards should review building valuation and replacement cost, deductible structure (especially per-unit water deductibles), ordinance or law limits, general liability and umbrella adequacy, D&O and crime/fidelity coverage, and any changes in loss history or property conditions.