News, carrier updates, and market insights for HOA insurance.
Wildfire pullbacks, the FAIR Plan and DIC wraps, and rising master-policy premiums — where California's association market stands in 2026 and what boards should do before renewal.
September 30, 2026 Read more →Hail in the north, windstorm on the coast, and percentage wind/hail deductibles that quietly shift cost to boards. What Texas associations should check before renewal.
September 30, 2026 Read more →Hail is the top premium driver, plus wildfire exposure and a new state insurer of last resort. What Colorado boards should do before renewal.
September 30, 2026 Read more →One of the most HOA-dense states, with premiums climbing on reinsurance and rebuild costs. The master-policy, valuation and D&O issues Arizona boards should review.
September 30, 2026 Read more →Las Vegas master-planned and high-rise communities face rising master-policy premiums. What Nevada boards should review before renewal.
September 30, 2026 Read more →The most expensive HOA and condo insurance problems are the coverage gaps a board never sees until a claim — replacement cost, percentage deductibles, ordinance or law, D&O, and loss assessment. Here’s what an independent review catches.
June 18, 2026 Read more →A plain-English explanation of how HOA bulk cable and TV agreements work, how they're priced, and what boards should review before renewing.
February 1, 2026 Read more →Why HOA vendor contracts deserve a careful review — insurance requirements, indemnification, scope, and termination — to protect the association.
January 10, 2026 Read more →How HOA trash and recycling contracts work, what drives the rates, and how associations can review them for savings before auto-renewal.
December 15, 2025 Read more →How to review an HOA landscaping contract — scope of work, pricing, and accountability — so your community gets the service it pays for.
December 1, 2025 Read more →How HOA bulk internet and cable agreements work, what to watch for in the terms, and how associations can review them for savings and better service.
November 15, 2025 Read more →What's driving HOA and condo insurance premium increases, and the practical steps boards can take to control costs before renewal.
November 1, 2025 Read more →How to compare HOA insurance carriers — coverage structure, pricing, and renewal strategy — so your association isn't auto-renewing with the wrong market.
October 15, 2025 Read more →How HOA insurance deductibles work — including percentage, wind, hail, wildfire, and water deductibles — and how they can shift large costs to your association or owners.
October 1, 2025 Read more →Florida condo and HOA association insurance has gone through the hardest market in a generation. Carrier exits, Citizens rate hikes, SB 4-D compliance mandates, and 181% above-average premiums. Here's where things stand in 2026 and what Florida boards must do before renewal.
June 16, 2026 Read more →We review HOA master insurance policies for premium savings, coverage gaps, replacement cost concerns, and competitive carrier options before renewals lock boards into another term.
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