OUR FOCUS
HOA Brokers focuses exclusively on homeowners associations and the property management firms that support them. Our advisors bring deep, hands-on experience in HOA insurance. We take the time to understand each community, explain coverage clearly, and guide boards and managers with confidence and clarity. Our approach is friendly, practical, and grounded in real-world expertise. We don’t see insurance as a one-time transaction. We work alongside boards and property managers year after year, helping communities adapt as risks, regulations, and property values change.
SERVICES
Customized HOA Insurance Programs
We design insurance portfolios tailored to each association’s structure, property type, and risk profile. Coverage may include property insurance, general liability, directors & officers (D&O), crime/fidelity, umbrella, and specialty policies — all aligned to your governing documents and exposures.
Risk Review & Coverage Alignment
We review CC&Rs, bylaws, and applicable state requirements to ensure coverage aligns with what the association is responsible for insuring. We identify gaps, exclusions, and inconsistencies so boards and managers can make informed decisions before issues arise.
Claims Guidance and Support
If a claim occurs, we help you navigate the process from start to finish. Our team assists with reporting, documentation, carrier communication, and follow-up — helping reduce confusion and delays during an already stressful situation.
Board & Manager Support
We support boards and community managers with education and clarity. This includes helping explain coverage changes, preparing for renewal discussions, and answering homeowner questions. When helpful, we participate in board or informational meetings to provide direct insurance insight.
Certificates & Ongoing Policy Service
We handle certificates of insurance, lender requests, and policy updates efficiently. Our systems and processes are designed to reduce administrative friction so managers can focus on operations, not paperwork.
HOA BROKER ADVANTAGE
Deep HOA-Specific Knowledge
Because HOAs are our focus, we understand the nuances that matter — from shared structures and reserve considerations to governance responsibilities and loss trends. That specialization helps prevent coverage mistakes and surprises.
Broad Access to the Insurance Market
We work with nearly the entire insurance marketplace, allowing us to compare options, negotiate terms, and place coverage that fits your association’s needs and budget.
Responsive, Human Support
You’ll work with a real team that responds quickly and communicates clearly. Whether it’s a renewal question, a certificate request, or a claim concern, you’ll get timely answers from people who understand your account.
Consistency and Stability
We aim to reduce last-minute surprises by proactively reviewing coverage, tracking changes, and planning ahead. This creates smoother renewals, fewer gaps, and greater confidence for boards and managers.
