About Us
HOA Insurance Agency is an independent insurance brokerage specializing in HOA master insurance and HO‑6 condo unit owner policies. We exist to serve one type of customer: shared‑ownership communities and the people responsible for protecting them. HOAs and condominium associations have unique insurance requirements—shared buildings, shared liability, board governance, and long‑term maintenance realities. We build insurance programs around those realities and explain them in plain English.
What We Believe
Boards deserve clarity.
Insurance shouldn’t be a mystery, especially when it impacts every unit owner.Coverage should match the bylaws.
Master policy structure (all‑in vs bare walls) must align with governing documents.Deductibles and limits matter as much as price.
Many HOA disputes happen around per‑unit deductibles, water losses, and loss assessment exposure.HO‑6 coordination is part of doing the job right.
When unit owners understand what the master policy does (and doesn’t) cover, claims go smoother and boards face fewer conflicts.
Independent Market Access
We are not tied to a single insurance company. As an independent brokerage, we can access multiple carriers and specialty markets to place HOA master policies and related coverages.
Coverage is always subject to underwriting, policy terms, and eligibility—but our responsibility is consistent: advise the association and place the best fit.
How We Work With Associations
Structured renewal timeline
Clean submission data and loss history preparation
Clear coverage summaries for board review
Practical, claims-informed guidance
Long-term approach to risk (not one-year decisions)
Compliance & Professional Standards
We operate as a licensed insurance agency. We provide insurance guidance and placement services—not legal advice. Final coverage depends on the actual policy language and endorsements issued by the insurer.