Affordable insurance starts with an easy quote
HOA & Condo Association Insurance (also called a Master Policy) is essential protection for community associations. Unlike individual unit owner policies, the master policy protects common areas, shared structures, and the association’s board members from the unique liabilities of community governance.
Most HOA boards assume their master policy covers everything—until a claim reveals dangerous gaps. The reality? Common area injuries, board decision lawsuits, and natural disasters can generate claims that exceed $500,000. When the master policy falls short, the association levies a special assessment on all owners. According to industry data, the average D&O (Directors & Officers) lawsuit against an HOA settles for $30,000 – $100,000+—before legal fees. Proper master policy coverage protects the community’s assets and prevents devastating assessments. Individual condo owners: your HOA’s master policy does NOT cover your personal belongings or interior improvements—you need your own condo insurance (HO-6 policy) to fill those gaps.
A “one-size-fits-all” policy doesn’t work because a high-rise condo building faces different risks than a single-family HOA or a townhome community. We match your specific community type and risk profile with the carrier that protects it best. Select your association type below to instantly start a custom quote built for your community.
Multi-unit buildings need comprehensive coverage for shared structures and high-value common areas.
Common Examples
Urban condo towers, Beach condos, Downtown lofts, Senior living condos
Neighborhood associations need protection for common areas, amenities, and board governance liabilities.
Common Examples
Master-planned communities, Golf course neighborhoods, 55+ communities
Shared-wall properties create unique liability exposure where damage easily spreads between units.
Common Examples
New townhome developments, Urban rowhouses, Attached villas
We design HOA & Condo Association Insurance policies that go beyond “minimum requirements” to “fully protected,” safeguarding your community, your board, and your reserve fund.
Most direct quotes only cover the basics in the left column. We shop multiple carriers to secure the critical add-ons in the right column that actually protect your community.
| Feature | Basic HOA Policy | The “Dream” Protection Plan |
|---|---|---|
| Property Valuation | ✖ Actual Cash Value | ✔ Replacement Cost |
| D&O Coverage | ✖ Limited or Excluded | ✔ Full D&O + Employment Practices |
| Fidelity Bond | ✖ State Minimum | ✔ 3+ Months Assessments (Best Practice) |
| Equipment Breakdown | ✖ Not Covered | ✔ Included (HVAC, elevators, pool equipment) |
“How much does HOA insurance cost?” Premiums depend on community size, property value, amenities, and claims history.
Captive agents have one carrier and one price. “Independent Means Multiple Choices.” We shop specialty HOA carriers to find the best rate for your community, re-shopping for you at renewal if rates spike.
Experience the confidence shared by the community associations we protect, and let us turn these options into a clear, comprehensive protection plan for your HOA or condo association.
We’re here to help you explore your coverage options tailored to your needs.
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Have specific questions? Our independent agents are ready to assist you directly.
Our team has the skills, experience, and readiness to help our customers.
We value getting to know our customers and helping them make their insurance dreams a reality.
We love to learn more to help our customers make the insurance process easier.
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