HOA Insurance, Built for Associations
The HOA-specialist independent brokerage for community associations: twelve markets compared side by side on coverage, deductibles and limits.
Association insurance
What an HOA or condo association master policy covers.
The master policy is the association's own insurance, funded through member assessments. It responds to the shared buildings and common elements, the association's liability, the funds it holds, and the decisions its board makes.
Where the master policy ends and a unit owner's HO-6 begins is determined by the governing documents. It is the question boards, managers and owners raise with us most often.
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Licensed in all 50 states and the District of Columbia -
12 markets one program -
Written rationale on every placement
The practice
A brokerage built around community associations.
Community association insurance is not a line item in a general agency here. It is the entire book, which is why the coverage questions a board asks are the ones we answer every day.
Independent, not captive
Your association's risk decides where the coverage goes. You see what each market returned, including the ones that declined and the reason they gave.
Twelve appointed markets
Your risk is presented to each market appointed for it. The responses come back to you set side by side on coverage, deductibles and limits.
Board-facing by design
Boards have to explain insurance decisions to owners. Our documents are written to be read aloud in a meeting and filed with the minutes.
No broker fee
Reviewing the coverage your association already has costs nothing, and so does the market comparison that follows it. Nothing is placed until the board has seen the options and chosen one.
The Board Record
We place the coverage. Then we write down why.
Most brokers hand a board a quote and go quiet until renewal. Every policy we arrange comes with a short written summary, meant to be filed with your meeting minutes.
Board members are unpaid volunteers who can be held personally responsible for their decisions. This is the written proof that the decision was made properly.
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What we reviewed
The current policy, the loss history and the governing documents.
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Which insurers we approached
Named, with what each one returned.
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What each option cost
Premium, deductible and limits, side by side.
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Why we recommended this one
Our reasoning, stated in plain language.
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What is still not covered
Every gap has a name. We put it in writing rather than leaving it out of the proposal.
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What to look at again next year
The items that will need attention before the next renewal.
Insurance your board can defend.
The process
Review. Compare. Place. Record.
Four stages, in order, on a schedule the board can hold us to. Most reviews run [00] weeks from first document to bound placement.
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Review
We read the current policies, the loss runs and the governing documents, and identify where the coverage and the bylaws disagree.
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Compare
We approach our appointed markets and set the responses beside one another on coverage, deductibles and limits.
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Place
We bind the option the board selects and confirm the certificates, mortgagee clauses and lender evidence are correct.
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Record
We issue The Board Record so the decision, and the reasoning behind it, is documented for the minutes.
Our markets
Markets a board will recognize
National insurers alongside the specialists.
Carrier availability varies by state, association type and risk profile. Not every market is approached on every placement.
Compensation
No broker fee. Not now, not at renewal.
- No broker fee, no consulting fee, no fee to review what you already have
- Compensation disclosed in The Board Record on every placement
- Identical to us whichever of the twelve markets the board chooses
What Coverage Does Your Association Need?
Enter your property address to get a personalized coverage recommendation.
Who we serve
Who we work with
Four groups, each needing something different from the same placement.
Boards & trustees
Request a board review >Property managers
Talk to us about a portfolio >Developers & sponsors
Discuss a new project >Unit owners
Get HO-6 coverage >Coverage area
HOA Insurance by State
Licensed in all 50 states and the District of Columbia, with dedicated guides for the 51 where we place the most association business.
Where we place coverage
Licensed in all 50 states and DC. Select a state to open its page.
Questions
Frequently Asked Questions About HOA Insurance
What does an HOA master policy cover?
The master policy is the association's own insurance, funded through member assessments. It responds to the shared buildings and common elements, the association's liability, the funds it holds, and the decisions its board makes. It does not cover the inside of an individual unit. That is what an owner's HO-6 is for.
What type of master policy does our association have?
There are three. Bare walls covers the structure and common elements only. Single entity adds the original fixtures and finishes inside each unit. All-in adds improvements an owner has made since. Your governing documents determine which one applies, and it is the single most consequential detail in the policy: it decides who pays for what after a loss.
A pipe leaked into my unit. Does the association pay, or do I?
It depends on your master policy type and where the water came from. Bare walls generally leaves the interior to the owner. Single entity and all-in cover more. The association's deductible also matters. If the loss falls below it, the association pays nothing and the cost lands on the owner through loss assessment.
If the association has a master policy, does an owner still need an HO-6?
Yes. The master policy stops at the unit. An HO-6 covers interior finishes, belongings, personal liability and an owner's share of an association deductible. Since 2026, lenders require one where the master policy carries a per-unit deductible. Without it, the unit may not qualify for a mortgage.