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
A practice focused on community associations
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 association focus
Our association-focused process produces a submission an underwriter can read quickly, a renewal conversation that starts from the policy itself, and gaps that get named rather than left unmentioned.
- 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 and set out in writing where one ends and the other starts, so the gap is found before a loss rather than argued over after one.
- 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.
No broker fee. No obligation. Coverage is subject to underwriting, policy terms, and eligibility.
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 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.
Contact Us Today
New business and quote requests
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.