July 15, 2026
HOA Special Assessment Insurance: Closing the No-Reserves Trap (2026)
HOA special assessment insurance and a master-policy deductible the board can actually pay are how an underfunded HOA avoids a surprise assessment.
Homeowners Associations
Insurance guidance for HOAs, condo associations, and community managers.
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Explainers
July 15, 2026
ExplainersHOA Special Assessment Insurance: Closing the No-Reserves Trap (2026)
HOA special assessment insurance and a master-policy deductible the board can actually pay are how an underfunded HOA avoids a surprise assessment.
11 min read
July 11, 2026
ExplainersHOA Fidelity Bond and Crime Coverage: Protecting Association Funds in 2026
What fidelity and crime coverage an HOA needs, how much under the Fannie and state formulas, who must be covered, and how a claim pays.
9 min read
June 25, 2026
ExplainersWhat Happens If an HOA Master Insurance Policy Lapses? What Coverwatch Finds in Master-Policy Reviews (2026)
When an HOA master policy lapses, building coverage stops at expiration. Why a same-day rebind stalls, what fills the gap, and the replacement-cost reset.
11 min read
June 22, 2026
ExplainersWhy Is an HOA Underinsured in a Pooled Insurance Program? What We Find in Portfolio Reviews (2026)
Why an HOA gets underinsured in a pooled program: a margin clause and coinsurance cap one building below replacement cost, and what your lender will test.
10 min read
June 16, 2026
ExplainersDoes an HOA Umbrella Cover Construction Defect? What Coverwatch Finds in HOA Coverage Reviews (2026)
An HOA umbrella follows form: it raises the limit but inherits the exclusions. A $15M tower can pay $0 on construction defect, mold, and board claims.
11 min read
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