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.
What each authority demands
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
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
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
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
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
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.
We use this to tailor which requirements you are likely to face, so the next step starts from a real answer instead of a blank list. Nothing is recorded yet.
Association type
Your role
Management
State
Optional, but it is what makes the next step specific.
Door count / units
Association types
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.
Master policy structure keyed to the declaration: bare-walls, single-entity, or all-in coverage, sized correctly the first time.
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Coverage built around shared walls, party-wall exposure, and planned-unit-development common areas.
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Common-area and amenity liability, board D&O, and fidelity coverage for associations that do not insure the homes themselves.
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Layered programs across a master association, its sub-associations, amenity centers, and shared infrastructure.
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Property and liability programs sized for elevators, fire and life-safety systems, and vertical replacement cost.
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Master property and liability coverage structured around the co-op's blanket ownership and proprietary-lease form.
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Coverage that separates and allocates risk correctly between residential common areas and ground-floor commercial space.
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Programs sized for amenity-heavy campuses: clubhouses, pools, fitness centers, and higher liability frequency.
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Board D&O and volunteer protection plus governing-doc compliance for associations without a management company.
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Board playbooks & research
The order a board should work through a master policy when sales are falling through at the financing stage.
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How a buyback or buydown lowers the effective deductible back under the lender cap without changing carriers.
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What a Florida association does when a structural integrity reserve study collides with its master policy.
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Our analysis of all 51 jurisdictions: 40 set an insurance minimum that falls below what Fannie and Freddie require.
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What a board should do in the next 60 days, which facts an underwriter can still be shown, and the lapse that puts unit sales at risk.
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Separating the part of an increase set by the reinsurance market from the part the board can actually change.
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How a review works
01
Governing documents, the master policy declarations page, a lender letter, or a non-renewal notice. Whatever prompted the question.
02
Every review is read against the specific requirement, lender warrantability, state statute, or the CC&Rs, not a generic checklist.
03
Which requirements the current program satisfies, which need an endorsement, and what a rebuilt program looks like, in writing, within one business day.
The specialists behind your review
HOA Insurer is agency-neutral. We read your program and match it to the specialty markets and agencies that write this class every day, rather than to whatever a single carrier happens to quote. Those markets carry the depth a community-association program actually needs.
A-rated
Specialty markets
Programs placed through A-rated carriers that write community-association and habitational risk as a core class, not an afterthought.
50 states + DC
Placed nationally
Condominium, HOA, and master-planned programs across every state, matched to that state's statute and market conditions.
Dedicated
Community-association desks
Underwriters and agencies whose whole book is HOA, condo, and multifamily, so coverage is built to the governing documents and the lender standard.
Neutral
No carrier quota
Because we do not underwrite, the recommendation follows your association, not a market production target.
Common questions
HOA Insurer is an agency-neutral, operator-side resource for HOA and condo associations. We read your master policy against what the lender, your state, and your governing documents each require, then match the program to the dedicated community-association markets that write this class. We do not underwrite risk ourselves; the placement runs through those specialty markets.
We are agency-neutral, which means we do not sell a single carrier's product or underwrite risk. We review your program on the board or manager side and route it to the A-rated specialty markets that write community-association coverage, matched to your association rather than to a carrier production target.
Yes. The coverage review is free and there is no obligation. Send your declarations page and governing documents and a specialist returns a plain-English, requirement-by-requirement read within one business day. There are no marketing sequences and no list rental.
Run the free Policy Checker. It evaluates your current master policy against lender warrantability (Fannie Mae, Freddie Mac, FHA), your state statute, and your governing-document requirements, and flags each item as compliant, needs review, gap, or unknown. No email is required to see the results.
Not necessarily. A state statutory floor is a minimum, and lender warrantability standards often require more, most notably 100 percent replacement cost with no coinsurance for a warrantable condominium. Several states set an 80 or 90 percent floor, or none at all, so meeting the state minimum can still fail a lender review. The master policy has to satisfy all three of the lender, the state, and the governing documents.
Free coverage review
Send your governing documents, master policy declarations page, or lender letter, whatever you have. No marketing sequences, no list rental.
