TL;DR
About & methodology
HOA Insurer exists to translate HOA and condo insurance requirements, lender warrantability, state statute, governing documents, into a program that actually complies. This page explains how the practice is structured and how its content is researched, so you can judge the credibility of what you're reading here for yourself.
What we are
HOA Insurer is a specialty insurance practice built around one part of the market: HOA and condo community associations, and the property managers and boards that run them. We are agency-neutral, meaning we are not aligned with a single insurance carrier and do not have a house program we default every association into regardless of fit. We are operator-side, meaning our starting point is what the association actually has to satisfy, the lender's warrantability letter, the state's statute, the recorded declaration, not a generic package built for whichever carrier pays the best commission.
We do not underwrite risk ourselves. When an association places coverage through us, that placement runs through the dedicated community-association specialty markets that actively write this class of business nationwide. Our job is matching the association's actual requirements to the market built to satisfy them, and explaining the tradeoffs in plain English along the way.
How this content gets written
This site does not attribute its content to a single named author. That is a deliberate choice, not an oversight. The expertise behind this content is institutional: built across placements, renewals, declined submissions, and lender pushbacks handled by the practice over time, not a single individual's personal brand or credentials. We think attributing a specialty insurance article to one person's byline overstates what any one person actually knows and understates how the answer was actually produced, by reading the source document, not by recalling it from memory.
Every page follows the same process: identify the primary source that governs the question, a lender's Fannie Mae or Freddie Mac warrantability standard, a state's condominium or common-interest statute, a governing document's specific valuation-basis language, or an actual policy form, read what it says, and then write the plain-English translation. Where a number cannot be sourced to something defensible, we publish a range with the reasoning behind it, or qualitative framing instead of a number at all. We do not fabricate precise benchmarks, and this site never publishes a bound quote; only a licensed placement, built from your actual declarations page and claims history, can produce one.
What we get paid for, and what we don't
HOA Insurer is compensated the way any insurance agency is compensated: through standard commission when an association places coverage through the specialty markets we work with. There is no charge for reading this site, running the free Policy Checker, or requesting a coverage review. There is no lead resale, and no arrangement that pays us for steering an association toward one carrier over another regardless of fit.
Common questions
No. HOA Insurer is an agency-neutral, operator-side specialty practice. We do not underwrite risk ourselves. Placements run through the dedicated community-association specialty markets that write this class of business nationwide, matched to the association type and its specific requirements.
Content is produced by the practice as an institutional body of work, reviewed against primary sources, lender warrantability standards, state statute text, and governing-document language, rather than attributed to a single individual's byline. We think this is the more honest way to represent specialty insurance content, since the underlying expertise is institutional, built across placements and renewals, not personal.
Through standard insurance placement commission when an association places coverage through the specialty markets we work with, the same way any insurance agency is compensated. We do not charge for content, the Policy Checker, or a coverage review.
Free coverage review
Send your governing documents, master policy declarations page, or lender letter, whatever you have.