HOA Insurance
Specializing in HOA master insurance policies for associations and HO-6 condo unit owner insurance for residents — built to work together.
What Is an HOA Master Policy?
An HOA master insurance policy is more than just property coverage. It's a financial and legal protection plan for shared assets, shared liability, and shared decision-making.
- Property coverage for buildings and common areas
- General liability for premises and operations
- Optional and added coverages based on need
- Policies differ by building type and governing documents
Key HOA Master Coverages We Place
Property (Buildings & Common Areas)
- Replacement cost vs. ACV
- Building limit adequacy
- Water and freeze exposure
- Per-unit water deductibles
- Ordinance or law limits
- Equipment breakdown
General Liability
- Premises liability (slip & fall)
- Operations liability
- Medical payments and defense costs
- Contractual considerations
Umbrella / Excess Liability
- Extends limits above underlying liability policies
- Broader protection for catastrophic claims
Directors & Officers (D&O)
- Governance allegations
- Decision/enforcement disputes
- Discrimination claims (where eligible)
- Defense costs
Crime / Fidelity
- Employee/volunteer theft
- Forgery
- Computer fraud
- Funds transfer fraud
Common HOA Insurance Issues We Help Solve
What Is HO-6 Insurance?
HO-6 insurance is designed for condo unit owners. It covers personal property, unit improvements, personal liability, loss of use, and loss assessment coverage.
Why HO-6 Matters for Unit Owners in HOAs
Unit owners are often surprised by association deductibles, special assessments, and coverage gaps between what the master policy covers and what they're responsible for. A properly structured HO-6 policy helps protect against these exposures.
HO-6 Coverage We Focus On
- Loss assessment coverage limits
- Water backup and seepage
- Adequate Coverage A for improvements
- Personal property limits
- Liability limits and umbrella coordination
Master Policy + HO-6 Coordination
The best outcomes happen when boards understand the master policy structure and unit owners carry HO-6 coverage aligned with that structure. We help both sides get there.
Frequently Asked Questions
What's the difference between an HOA master policy and HO-6?
The master policy covers association-owned buildings, common areas, and shared liability. HO-6 covers unit owner personal property, interior improvements, personal liability, and loss assessment exposure.
Do condo owners need HO-6 insurance?
In most cases, yes. The master policy typically does not cover your personal belongings, interior upgrades, or your share of association deductibles and special assessments.
What should boards review at renewal?
Building valuation, deductible structure, ordinance or law limits, general liability, umbrella, D&O, and crime/fidelity coverage. We prepare a clear summary covering all of these.
Board renewal coming up? Unit owner needs HO-6?
Start with a quick review — no commitment, no pressure.
Request Insurance Review