HOA & condo association insurance broker

Your HOA Insurance Broker for Associations & Condos

Want a licensed HOA insurance broker on your side — not a single carrier? We're an independent HOA & condo association insurance broker and agent. We shop your master policy across carriers and bring your board options and quotes.

For HOA & condo association boards & property managers — not individual unit owners

Talk to a licensed HOA insurance broker(208) 361-4295 or have us call you →

Get a callback

Two quick things and a licensed specialist calls you back — usually within a business hour.

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No cost, no obligation Never sold or shared Licensed insurance broker

An independent HOA & condo association insurance broker on your side. A broker and agent working for your association, not one carrier — we shop the market and bring your board options. We help with:

An independent broker & agent — not one carrier
Shop your master policy across multiple carriers
New policies, quotes & renewals
Condo & association coverage & agents
Premium increases & carrier non-renewals

What we review

A full read of your master program — before you auto-renew

We review HOA master insurance policies for pricing, replacement-cost accuracy, liability exposure, deductible structure, and competitive market options.

HOA master policies

Property, liability, umbrella, D&O, crime and specialty coverages on your association's master program.

Coverage limits

We evaluate current policy limits against real-world replacement and exposure risk for your community.

Replacement cost

Identify underinsured buildings and outdated valuations before a claim exposes the gap.

Deductible structure

Wind, hail, wildfire, water and percentage deductibles that can fall to owners or the association.

Board liability (D&O)

Review directors & officers protection and potential board exposure issues.

Competitive options

Compare available market options, pricing structure and renewal strategy across carriers.

Who we serve

Built for the people who run communities

Every association is structured and insured differently. We review your program and point you toward the markets and strategy that fit.

HOA & COA boardsPresidents, treasurers and members responsible for the master policy.

Property managersCommunity managers coordinating renewals across one or many associations.

Condo & townhomeCondominium, townhome and stacked-unit communities with shared structures.

Master-plannedLarge master-planned and mixed-use communities with complex exposures.

How it works

Three steps. About two weeks. Zero cost.

You sit back. We coordinate everything and deliver a clean, board-ready review.

Share your current policy

A short call, then send your binder, renewal notice, declaration pages and premium history.

We benchmark the market

We compare your program against competitive carrier options, deductibles and coverage structures.

You get clear next steps

Your board receives a practical review showing savings, coverage gaps and renewal concerns.

Common questions

HOA insurance review FAQ

What does an HOA insurance review cost?

Nothing. The review is free, there's no obligation to switch, and your association's information is never sold or shared.

Do we need a board vote to start?

No. Any board member or property manager can request the review. A board vote is only relevant if you later decide to change carriers.

What do you need from us?

Your current binder or declaration pages, the renewal date, and a little history. The more you share, the sharper the benchmarking.

Will this disrupt our current coverage?

No. A review is just a benchmark. Nothing changes with your existing policy unless your board chooses to act on the findings.