About HOA Insurance Agency
Independent insurance brokerage specializing in HOA master insurance and HO-6 condo unit owner policies. We serve one type of customer: shared-ownership communities and the people responsible for protecting them.
HOAs have unique requirements — shared buildings, shared liability, board governance, and long-term maintenance realities. We build HOA insurance programs around those realities and explain them in plain English.
We're not a generalist agency that happens to sell condo policies. HOA insurance is our focus — the complexities, the underwriting, the board-level conversations.
What We Believe About HOA Insurance
- Boards deserve clarity regarding insurance matters
- Coverage should align with the governing documents (all-in vs. bare walls)
- Deductibles and limits matter as much as price — per-unit deductibles, water losses, and loss assessment exposure need careful attention
- HO-6 coordination is part of doing the job right — when unit owners understand master policy gaps, it reduces claims conflicts
Independent Market Access
We're not tied to a single insurer. We can access multiple carriers and specialty markets to place the best fit for your association. Coverage is subject to underwriting, policy terms, and eligibility — but our responsibility is consistent: advise the association and place the best program available.
How We Work With HOA Boards & Associations
- Structured renewal timeline
- Clean submission data preparation
- Clear coverage summaries for board review
- Claims-informed guidance
- Long-term risk approach
Compliance & Professional Standards
HOA Insurance Agency is a licensed insurance agency. We provide insurance guidance and placement — not legal advice. Final coverage depends on actual policy language and endorsements issued by the insurer.