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.
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 coverage for your association's shared assets.
General Liability
Slip and fall, premises liability, operations coverage, medical payments and defense costs.
Umbrella / Excess Liability
Extends limits above underlying liability policies for broader protection.
Directors & Officers (D&O)
Governance allegations, decision disputes, wrongful acts, and defense costs.
Crime / Fidelity
Employee theft, forgery, computer fraud coverage for your association's funds.
Ordinance or Law
Covers increased costs when rebuilding must meet current building codes.
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 More
A Board-Friendly 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 Agency