HOA Insurer
We help HOA and condo associations get their master insurance policy right.
That means reading it against your lender's requirements, your state's statute, and your own governing documents, then rebuilding coverage that actually complies. Built for board members, community association managers, and management companies.
- All 50 states and DC
- Fannie, Freddie, and FHA warrantability
- Agency-neutral, no carrier bias
- Specialist review in one business day
What each authority demands
The lender, the state, and the community each want something different.
A program built to satisfy one of them can quietly fail the other two. Here is what each actually requires, and where master policies most often fall short.
01 / The lender
Warrantability
Fannie Mae, Freddie Mac, and FHA set the property, liability, and fidelity conditions a project must meet for its units to be financeable. Miss one and unit sales stall at the lender insurance review.
02 / The state
Statute
State condominium and common-interest acts set property-insurance floors, and in states like Florida and California, reserve, structural-inspection, and D&O requirements that pull straight into the insurance conversation.
03 / The community
Governing documents
The declaration and CC&Rs dictate the valuation basis, required limits, and who insures what, and they frequently conflict with both the statute and the policy actually in force.
What HOA Insurer does
We are an advisor, not a carrier. We translate the requirement, then place the program.
Most HOA and condo insurance problems are not pricing problems. They are translation problems. A lender rejects a certificate because the fidelity bond does not cover three months of assessments plus reserves. A state reserve-study finding shows up mid-policy-term with no coverage response built in. A board renews on the same bare-walls valuation basis the association outgrew five years ago. Each of these is a gap between what a document actually requires and what the current program was built to satisfy.
HOA Insurer reads the governing documents, the lender warrantability letter, and the state statute first, then builds the program backward from what they require. We do not underwrite the risk ourselves. Placements run through the dedicated community-association specialty markets, matched to the association type: condo and townhome master policies, single-family HOA common-area programs, master-planned community layering, high-rise vertical exposure, co-op blanket structures, mixed-use allocation, 55+ amenity-heavy campuses, and small self-managed boards operating without staff.
From high-rise condominium towers to townhome PUDs and self-managed single-family HOAs, each community type carries a different coverage architecture. We build the master-policy program around the one you have.
Free HOA Master Policy Compliance Checker
We tell you which insurance requirements your master policy likely meets, and which need work.
Select the requirements you face, lender warrantability, state statute, or CC&Rs and governing documents, and see where your current program stands. No email required to view results.
- 1Context/
- 2Requirements/
- 3Your Program/
- 4Results/
- 5Full Report
First, some context.
We use this to tailor which requirements you are likely to face. Nothing is recorded yet.
Association type
Your role
Management
Door count / units
Association types
Nine association types. Nine different coverage architectures.
A condo master policy and a self-managed single-family HOA program are not built from the same template. Find the practice page built for your association type.
Condo HOA Insurance
Master policy structure keyed to the declaration: bare-walls, single-entity, or all-in coverage, sized correctly the first time.
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Townhome & PUD Insurance
Coverage built around shared walls, party-wall exposure, and planned-unit-development common areas.
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Single-Family HOA Insurance
Common-area and amenity liability, board D&O, and fidelity coverage for associations that do not insure the homes themselves.
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Master-Planned Community Insurance
Layered programs across a master association, its sub-associations, amenity centers, and shared infrastructure.
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High-Rise Condo Insurance
Property and liability programs sized for elevators, fire and life-safety systems, and vertical replacement cost.
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Co-op Insurance
Master property and liability coverage structured around the co-op's blanket ownership and proprietary-lease form.
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Mixed-Use Community Insurance
Coverage that separates and allocates risk correctly between residential common areas and ground-floor commercial space.
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55+ / Active-Adult Community Insurance
Programs sized for amenity-heavy campuses: clubhouses, pools, fitness centers, and higher liability frequency.
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Self-Managed HOA Insurance
Board D&O and volunteer protection plus governing-doc compliance for associations without a management company.
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How a review works
One business day from document to a plain-English answer.
01
Send what you have.
Governing documents, the master policy declarations page, a lender letter, or a non-renewal notice. Whatever prompted the question.
02
A specialist reads it, not a generalist.
Every review is read against the specific requirement, lender warrantability, state statute, or the CC&Rs, not a generic checklist.
03
You get a plain-English answer.
Which requirements the current program satisfies, which need an endorsement, and what a rebuilt program looks like, in writing, within one business day.
Free coverage review
A specialist will review your policy within one business day.
Send your governing documents, master policy declarations page, or lender letter, whatever you have. No marketing sequences, no list rental.