Privacy Policy

What this policy covers

This policy describes how HOA Insurer (https://hoainsurer.com) collects, uses, and protects information from visitors to this website, including anyone who runs the free Policy Checker, submits a coverage review request, or otherwise contacts us through a form on this site. It does not describe the privacy practices of any insurance carrier or specialty market an association may ultimately place coverage through; those relationships are governed by that carrier's own privacy policy.

Information we collect

We collect two categories of information:

• Information you provide directly, such as your name, email address, phone number, association details, and any governing documents, policy declarations pages, or other files you choose to upload or send when requesting a coverage review or running the Policy Checker.
• Information collected automatically, such as pages visited, referring source, device and browser type, and approximate location, collected through standard analytics tools to understand how the site is used and to improve it.

How we use this information

Information collected through this site is used to:

• Respond to coverage review requests and Policy Checker submissions.
• Provide requested quotes, comparisons, or educational responses to specific questions.
• Improve site content, navigation, and the accuracy of our published material.
• Meet legal, regulatory, and recordkeeping obligations tied to insurance placement activity.

We do not sell personal information to third parties, and we do not rent contact lists collected through this site to unrelated marketers.

Sharing with insurance markets

When you request a coverage review, information relevant to that request, including any documents you submit, may be shared with the specialty insurance markets and carriers necessary to obtain quotes or place coverage on your behalf. This is a standard part of the insurance placement process and does not occur without your request for a review or quote.

Cookies and analytics

This site uses standard analytics and performance-monitoring tools to understand aggregate traffic patterns and site performance. These tools may set cookies or similar technologies in your browser. You can control or disable cookies through your browser settings; doing so may affect some site functionality.

Data retention and your choices

We retain information collected through coverage review requests for as long as reasonably necessary to respond to the request, service any resulting placement, and meet applicable recordkeeping obligations. You can request that we delete information you have submitted, or ask what information we hold about you, through the coverage review request form on this site. We will respond to verified requests within a reasonable time.

Educational content, not advice

Nothing on this site, including the Policy Checker, the cost guide, or any article, constitutes insurance, legal, or financial advice specific to your association. It is general educational information. Coverage decisions should be made in consultation with a licensed insurance professional reviewing your association's actual governing documents, policy, and circumstances.

Changes to this policy

We may update this policy from time to time. The date at the top of this page reflects the most recent revision. Continued use of this site after a change constitutes acceptance of the updated policy.

Contact

Questions about this policy, or requests regarding your information, can be submitted through the coverage review request form on this site.