ProtectMyHOA™

HOA Insurance in Massachusetts

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 Massachusetts community associations.

The master policy

HOA Insurance for Massachusetts Associations

Massachusetts has one of the highest concentrations of condominium associations in the country. From historic brownstone trusts in Boston to modern condo developments across the suburbs, HOA boards face unique insurance challenges — including strict building codes, freeze and water damage exposure, and complex governing document requirements. We specialize in placing insurance programs built for MA associations.

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

Request Insurance Review Free review. No broker fee, now or at renewal.

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

Coverage

Coverages We Place in Massachusetts

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.

Learn More About Our Coverages

What we find

Massachusetts HOA Insurance Considerations

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

01 Massachusetts condominium trusts are governed by M.G.L. Chapter 183A

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

02 Trustees have fiduciary duties that require adequate insurance coverage

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

03 Many MA associations use 'all-in' coverage structures tied to governing documents

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

04 Per-unit water deductibles are increasingly common in MA master policies

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.

Request Insurance Review

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.