Why Choose HOA Insurance Agency
HOA boards need more than a generic insurance quote. Associations face shared ownership, shared liability and shared governance, alongside increasingly complex underwriting requirements.
The practice
Community associations are the whole of the practice
Master policies and HO-6, placed together, so a board can see how the decisions fit and explain them afterwards.
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Community associations only
Not homes, not cars, not one line among twenty. Depth in a single class means better submissions to underwriters, sharper renewal conversations and fewer gaps left open.
- Condominium associations and condominium trusts
- Homeowners associations
- Property managers running multiple associations
- Unit owners whose HO-6 has to match the master policy
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One program, not six purchases
Property, liability, umbrella, D&O, crime and ordinance or law are placed as one system, so the limits and deductibles agree with each other.
- Property, general liability and umbrella as one tower
- D&O and crime and fidelity written together
- HO-6 aligned to the master policy structure
- Deductibles and assessments explained to owners in advance
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A renewal a board can defend
Every recommendation comes with the reasoning behind it, in writing, ready to be read at a meeting and filed with the minutes.
- What the current policy does and does not cover
- Why each limit and deductible was set where it was
- What the market returned, option by option
- A written recommendation, not a verbal one
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HO-6 coordinated to the master policy
Uncoordinated owner policies are where post-loss disputes begin. We place both sides, so the gap between them does not land on a resident.
- The master policy structure identified and explained
- Owners told what they are responsible for
- HO-6 written against the actual policy, not a template
The offer
An insurance partner built for association renewals and HO-6 coordination
Send us the current policy and the renewal date. We come back with the markets approached, what each returned, and a written recommendation your board can file with its minutes.
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.
Our markets
Markets a board will recognize
National insurers alongside the specialists.
Carrier availability varies by state, association type and risk profile. Not every market is approached on every placement.
Contact Us Today
Claims and urgent matters
Notifying us does not replace any notice your policy requires you to give the carrier. If a deadline is close, call rather than email.