ProtectMyHOA™

HOA Insurance in Georgia

Master insurance for the association, HO-6 for the unit owner, and a written record of why each was placed the way it was — for Georgia community associations.

The master policy

HOA Insurance for Georgia Associations

We place master insurance programs for community associations in Georgia — property and general liability on the shared buildings and common elements, plus the directors and officers, crime and umbrella cover a board needs alongside them. Every review sets the responses from our appointed markets side by side on coverage, deductibles and limits, and ends in a written record your board can file with its minutes.

Where the master policy ends and a unit owner's HO-6 begins is set by your governing documents. It is the question Georgia boards raise with us most often.

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Residents walking through a managed condominium community past shared buildings, landscaped common areas and a gazebo

Coverage

Coverages We Place in Georgia

Placed as one program, so the limits and deductibles agree with each other rather than being bought in isolation.

Commercial Property

Rebuilds the shared buildings and common elements after a covered loss, at replacement cost rather than depreciated value. Includes equipment breakdown for shared boilers, elevators and HVAC.

General Liability

Responds when someone is hurt on common property, and pays the cost of defending the association.

Umbrella / Excess Liability

Sits above the primary liability limits, for the claim that exceeds them.

Directors & Officers Liability

Defends board members personally when a decision they made is challenged.

Crime and Fidelity

Covers theft of association funds, whether by an employee, a volunteer or a third party. Lenders set a minimum limit based on the funds you hold.

Ordinance or Law

Pays the extra cost of rebuilding to today's code when the original construction no longer complies, which matters most in older buildings.

HO-6 Unit Owner Coverage

The owner's side of the same arrangement — interior finishes, belongings, personal liability and loss assessment, written against your association's actual master policy.

Workers compensation and earthquake are available separately, and are quoted alongside the program where an association needs them.

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What we find

Georgia HOA Insurance Considerations

What we check first on a Georgia association's master policy. Each can be verified before a claim rather than after one.

01 Master policy limits should reflect current replacement cost rather than original construction cost

We confirm this against your current policy and set the finding out in writing.

02 Deductible structure, and per-unit water deductibles in particular, shifts real exposure onto individual owners

We confirm this against your current policy and set the finding out in writing.

03 Directors and officers cover responds to governance and decision-making claims against the board

We confirm this against your current policy and set the finding out in writing.

04 Ordinance or law cover pays the additional cost of rebuilding to current code after a loss

We confirm this against your current policy and set the finding out in writing.

We identify which of these apply to your association, and put the findings in writing.

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The process

Review. Compare. Place. Record.

Four stages, in order, on a schedule the board can hold us to.

01
Review

We read the current policies, the loss runs and the governing documents, and identify where the coverage and the bylaws disagree.
02
Compare

We approach our appointed markets and set the responses beside one another on coverage, deductibles and limits.
03
Place

We bind the option the board selects and confirm the certificates, mortgagee clauses and lender evidence are correct.
04
Record

We issue The Board Record so the decision, and the reasoning behind it, is documented for the minutes.