Terms of Use

Acceptance of these terms

By using this website (https://hoainsurer.com), including reading its content, running the free Policy Checker, or submitting a coverage review request, you agree to these terms of use. If you do not agree, please do not use the site.

Educational content, not insurance, legal, or financial advice

Everything published on this site, including practice pages, comparisons, metro guides, the coverage glossary, the Q&A library, the cost guide, and the data and research page, is general educational information about HOA and condo insurance. None of it is insurance, legal, or financial advice specific to your association, and none of it should be relied on as a substitute for reviewing your association's actual governing documents, current policy, and specific circumstances with a licensed insurance professional.

Where this site publishes cost information, it is presented as ranges with the reasoning behind them, or as qualitative framing, never as a fabricated precise benchmark and never as a bound quote. Any actual premium depends on your association's specific insured values, location, claims history, and the terms a specialty market is willing to offer at the time of placement.

The free Policy Checker

The Policy Checker is a free educational tool that compares information you provide about your current program against general lender warrantability standards, state statute, and common governing-document requirements. Its output is a general indication, not a legal determination or a guarantee of coverage adequacy, compliance, or insurability. A full review by a specialist, based on your actual documents, is required before relying on any specific coverage conclusion.

No guarantee of coverage or placement

Requesting a coverage review, running the Policy Checker, or otherwise contacting HOA Insurer does not guarantee that coverage will be offered, bound, or placed on any particular terms. All placements are subject to underwriting review and acceptance by the applicable insurance carrier or specialty market.

Intellectual property

The text, structure, and original research on this site are the property of HOA Insurer unless otherwise noted. You may quote and link to this content for editorial, research, or reference purposes with appropriate attribution. Wholesale reproduction of pages or the data library without permission is not permitted.

No warranty

This site and its content are provided as is, without warranty of any kind, express or implied, including as to accuracy, completeness, or fitness for a particular purpose. Statutes, lender requirements, and market conditions referenced on this site change over time; we work to keep content current but do not guarantee that every page reflects the most recent requirement in every jurisdiction at every moment.

Limitation of liability

To the fullest extent permitted by law, HOA Insurer is not liable for any indirect, incidental, or consequential damages arising from your use of this site or reliance on its content, including any coverage decision made without a full review by a licensed insurance professional.

Changes to these terms

We may update these terms 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 terms.

Contact

Questions about these terms can be submitted through the coverage review request form on this site.