Commercial Property
Rebuilds the shared buildings and common elements after a covered loss, typically at replacement cost rather than depreciated value. Equipment breakdown for shared boilers, elevators and HVAC can be written alongside it.
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 depends on the master-policy form, governing documents, applicable law and endorsements.
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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.
General Liability
Responds when someone is hurt on common property, and under a standard form the carrier defends the association as well.
Umbrella / Excess Liability
Sits above the primary liability limits, for the claim that exceeds them. An umbrella generally follows the underlying forms, so what the primary excludes it usually excludes too.
Directors & Officers Liability
Responds when a board member is personally named over a governance decision — defence costs are usually the largest part of it.
Crime and Fidelity
Covers theft of association funds by an employee or volunteer, and — where the form is extended for it — by a third party. Lender guidelines commonly set a minimum limit based on the funds you hold.
Ordinance or Law
Meets the extra cost of rebuilding to today's code after a covered loss, when the original construction no longer complies. It is bought in parts, each with its own limit, and 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. Loss assessment carries its own limit, which is worth reading against the master deductible.
Workers compensation and earthquake are available separately, and are quoted alongside the program where an association needs them. Coverage descriptions here are general: availability varies by jurisdiction, association type and carrier, and the policy issued governs.
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 ReviewThe 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 directly appointed markets that write your risk 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.
Our markets
Markets a board will recognize
Direct appointments with twelve markets — national insurers alongside the specialists.
One submission goes out to the markets that write it. Carrier availability varies by state, association type and risk profile, and not every market is approached on every placement.
Who qualifies
Types of Associations We Serve in Massachusetts
- Condominium trusts
- Homeowner associations
- Mixed-use developments
- Historic property conversions
Coverage area
Cities We Serve in Massachusetts
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 >Ready to review your Massachusetts HOA insurance?
Start with a free insurance review — no commitment, no pressure.
Request Insurance ReviewContact Us Today
sales@ProtectMyHOA.com
New business and quote requests
New business and quote requests
HOA Insurance Agency LLC
420 Lakeside Ave, Suite 202
Marlborough, MA 01752
420 Lakeside Ave, Suite 202
Marlborough, MA 01752
Claims and urgent matters
Claims go to insurance@ProtectMyHOA.com, the mailbox for general enquiries, service and claims. Notifying us does not replace any notice your policy requires you to give the carrier. If a deadline is close, call rather than email.