Why Choose Us
HOA boards need more than a generic insurance quote. Associations face shared ownership, shared liability, and shared governance—plus increasingly complex underwriting requirements.
We specialize in HOA master insurance and HO‑6 condo insurance so coverage decisions are clear, practical, and aligned with how associations actually operate.
HOA‑Only Focus
We don’t try to be everything to everyone. Our niche is community associations:
Condominiums and condo trusts
HOA boards and trustees
Property managers supporting multiple associations
Unit owners seeking HO‑6 coverage aligned to the master policy
Specialization leads to better underwriting submissions, clearer renewal discussions, and fewer coverage gaps.
We Think in Systems, Not Policies
HOA insurance isn’t a single policy. It’s a coordinated program:
Property + liability + umbrella
D&O + crime + (sometimes) cyber
HO‑6 coverage for unit owners
Clear communication around deductibles and assessments
We help associations build programs that hold together in a real claim—not just on paper.
Renewal Strategy That Boards Can Defend
Boards are fiduciaries. We support boards with:
Clear coverage summaries
Deductible and limit rationale
Market options explained plainly
Document-ready recommendations
Our goal is for board decisions to be informed, reasonable, and defensible.
Unit Owner HO‑6 Programs That Reduce Board Headaches
When HO‑6 coverage is uncoordinated, boards deal with confusion after losses. We help reduce that friction by:
Clarifying what the master policy covers
Educating unit owners on HO‑6 essentials
Making HO‑6 quoting straightforward for residents