HOA master policies

Premium up or carrier gone? See your HOA's options.

Free, board-ready review of your master policy — benchmarked against the carriers still writing HOAs. Most boards find a coverage gap or an overpayment in the first look.

Property, liability, umbrella, D&O, crime and specialty coverages — reviewed line by line.

Compare your program against competitive carrier options
Spot coverage gaps, replacement-cost & deductible issues
No board vote required to begin — your info is never sold or shared

HBPMCTTrusted by HOA boards, treasurers & property managers nationwide

Free HOA insurance review

Get your free HOA policy review

Takes about a minute — or call (208) 361-4295 and skip the form.

Full name

Phone

State

Community type (optional)

Community size (optional)

Your role (optional)

Most HOA boards find at least one coverage gap in the first review.

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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Identify underinsured buildings and outdated valuations before a claim exposes the gap.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 master policy cover?

Typically the association's buildings and common areas, general liability, and often umbrella, directors & officers, and crime coverage. We review how yours is structured.

What's commonly missing?

Underinsured replacement cost, thin D&O limits, and deductible structures that quietly shift risk to the association or owners are the most common gaps we find.

Is the review free?

Yes — free, no obligation, and your information is never sold or shared.

No cost · No obligation · No board vote

Request your free HOA insurance review

We benchmark your master policy for premium savings, coverage gaps, replacement-cost concerns and competitive options — before renewal locks your board into another term.

Get my free review → or call (208) 361-4295