HOA & condo association master policy

HOA Master Insurance Policy Coverage & Quotes

Need coverage, a new quote, or a review of your association's current master policy? Get a free, board-ready review from a licensed broker — we compare coverage and options for HOA & condo association master policies.

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

See your association's insurance options(208) 361-4295 or have us call you →

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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

Compare your HOA's master policy, coverage and insurance options. New to coverage, shopping a fresh quote, or facing a change at renewal — a licensed broker handles it and brings your board clear options. We help with:

New master policies & quotes
Renewals & re-shopping your program
Premium increases & carrier non-renewals
Coverage gaps & replacement-cost shortfalls
Board (D&O) liability exposure

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Identify underinsured buildings and outdated valuations before a claim exposes the gap.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