Insurance guidance for HOAs, condo associations, and community managers.
August 28, 2026
Virginia mandates just one association coverage by statute, a fidelity bond. How the POA Act and Condominium Act differ, and what your declaration and lender require.
August 28, 2026
ExplainersVirginia mandates just one association coverage by statute, a fidelity bond. How the POA Act and Condominium Act differ, and what your declaration and lender require.
6 min read
August 27, 2026
ExplainersCalifornia Civil Code 5800 caps a volunteer director's personal liability, but only if the association maintains D&O at the size-keyed floor. Here is what unlocks it and what voids it.
7 min read
August 26, 2026
ExplainersWhat Davis-Stirling §5806 requires for a California HOA fidelity bond: the reserves-plus-three-months limit, equal computer and funds-transfer fraud coverage, the managing-agent endorsement, and how to size it.
7 min read
August 25, 2026
ExplainersFlorida Statute 718.111(11) requires the association to insure the building and everything as originally installed at replacement cost. Where the owner's HO-6 begins, and what it costs.
7 min read
August 21, 2026
Cost GuidesWhat HOA insurance costs in 2026 by community type and size, the drivers that move the master policy premium, and how boards keep the number in check.
8 min read
August 20, 2026
ExplainersWhether HOA insurance covers water damage depends on the source and what it damaged. Who pays by source: the master policy, your HO-6, or you.
7 min read
August 20, 2026
State GuidesHOA insurance requirements by state: statute, fidelity, and replacement-cost rules across ten states, plus the Fannie, Freddie, and FHA federal overlay.
11 min read
August 19, 2026
ExplainersThe insurance a condo project needs to meet Fannie Mae's 2026 standards: master policy, liability, the new $50,000 deductible cap, and reserves.
9 min read
August 19, 2026
ExplainersHow HOA fidelity bond requirements are set by Fannie Mae, Freddie Mac, FHA, and state law, plus how to calculate the right coverage amount.
9 min read
August 18, 2026
ComparisonsCondo master policies come in three types: bare walls, single entity, and all-in. See what each covers, your HO-6 gap, and how to find which you have.
9 min read
August 18, 2026
ExplainersA homeowner can name you personally in a lawsuit. Here is how D&O insurance, Side A, and state immunity keep your home and savings out of reach.
7 min read
August 17, 2026
ExplainersWhat a community association management company carries for its own business: E&O, crime, cyber, GL, and workers comp, apart from association policies.
10 min read
August 17, 2026
ComparisonsHow loss assessment coverage on an HO-6 pays a unit owner's share of the HOA master-policy deductible, now capped at a flat $50,000 by Fannie Mae.
6 min read
August 17, 2026
ChecklistsA broker-of-record letter lets an HOA board switch insurance brokers mid-term without moving the carrier, coverage, or premium. Plus the switch checklist.
9 min read
August 16, 2026
ComparisonsMost HOA brokers earn a commission that rises with your premium; a flat-fee broker's pay stays flat. Compare the three pay models and how to vet yours.
6 min read
August 16, 2026
ComparisonsAgent vs broker vs direct for an HOA: how many carriers each channel reaches, who they represent, and which fits your association's coverage.
5 min read
July 15, 2026
ExplainersHOA 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
ExplainersWhat 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
ExplainersWhen 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 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
ExplainersAn 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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