October 8, 2026
HOA Crime Policy: Name the Management Company as an Insured? (2026)
Why the HOA crime policy should cover the management company's people as employees, what Fannie Mae requires, and who should receive the claim check.
Homeowners Associations
Insurance guidance for HOAs, condo associations, and community managers.
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October 8, 2026
ExplainersHOA Crime Policy: Name the Management Company as an Insured? (2026)
Why the HOA crime policy should cover the management company's people as employees, what Fannie Mae requires, and who should receive the claim check.
8 min read
October 8, 2026
ExplainersHOA Social Engineering Fraud Insurance: Who Pays for a Spoofed Wire in 2026
Which part of an HOA crime policy pays when a spoofed board email tricks the manager into wiring funds, how the limit works, and controls that keep cover.
9 min read
October 7, 2026
ExplainersFannie Mae Condo Reserve Requirements: The 15% Rule for 2027
Fannie Mae condo reserve requirements rise from 10% to 15% of assessment income for 2027 loan applications. The math, the dates, and the insurance angle.
7 min read
October 7, 2026
How-ToFannie Mae Fidelity Bond Requirements: How to Calculate Your HOA's Limit (2026)
How to calculate the fidelity limit Fannie Mae, Freddie Mac, and FHA require, with the controls exception, reserves, and a worked 140-unit example.
8 min read
October 6, 2026
ChecklistsThe Condo Questionnaire Lenders Send Your HOA: How to Answer the Insurance Section (2026)
How to answer the insurance lines on a lender's condo questionnaire, who supplies each document, and the 2026 answers that stall a condo loan.
8 min read
October 6, 2026
ComparisonsWarrantable vs Non-Warrantable Condo: How HOA Insurance Decides It (2026)
Which master-policy failures make a condo non-warrantable in 2026, how Freddie Mac, FHA and VA differ, and how an HOA board fixes the policy.
9 min read
September 22, 2026
ExplainersArizona Title 33 HOA Insurance: Condo vs Planned (2026)
Arizona condos must carry property and liability insurance under A.R.S. § 33-1253, while the Planned Communities Act requires none. The CC&Rs and Fannie Mae's rules fill the gap.
7 min read
September 22, 2026
ExplainersFlorida Condo Milestone Inspection Requirements and SIRS (2026)
Florida's milestone inspection and SIRS mandates now gate condo master policy quotes. This guide covers what the rules require, how carriers use them, and what your board should file before renewal.
6 min read
September 22, 2026
ExplainersMy Safe Florida Condo Program: Wind Mitigation Grants and Premium Credits (2026)
The My Safe Florida Condo program pays for a free wind-mitigation inspection and a 2:1 matching grant. The lasting payoff is the windstorm premium credit on your condo master policy.
6 min read
September 22, 2026
ComparisonsState-by-State HOA Fidelity Bond Requirements: A Statutory Comparison (2026)
Eleven states set HOA or condo fidelity bond requirements by statute, and the comparison table breaks them into 14 separate condo and HOA entries, each with a different minimum formula. Fannie Mae and Freddie Mac accept a state statute in place of their own formula, while FHA can still require more.
9 min read
September 22, 2026
ExplainersWUCIOA Insurance Requirements for Washington HOAs (2026)
WUCIOA insurance requirements come from RCW 64.90.470: property, liability, and fidelity coverage. Communities formed before July 1, 2018 stay on their old act until January 1, 2028.
8 min read
September 11, 2026
ExplainersHOA EPLI Insurance: Employment Practices Coverage for Associations With Employees (2026)
If your association employs even one W-2 worker, D&O alone leaves employment claims uncovered. Learn when EPLI is needed and how it fills the gap.
7 min read
September 11, 2026
ExplainersHOA Tree Fell on My Car Who Pays? (2026)
HOA tree fell on my car who pays? Your auto comprehensive coverage handles the repair. The HOA is liable only if negligence is proven. Full payer breakdown.
7 min read
September 10, 2026
ExplainersHOA Dog Bite Liability: Who Pays When a Dog Bites in a Common Area (2026)
HOA dog bite liability depends on whether the board had notice and failed to act. See which policy pays and how to limit your association's exposure.
7 min read
September 10, 2026
ExplainersHOA Roof Leak: Who Pays for Interior Water Damage? (2026)
After an HOA roof leak who pays? The master policy covers the roof; your HO-6 covers interior finishes. See the full split by policy type.
7 min read
September 9, 2026
ComparisonsHOA Insurance vs Homeowners Insurance: Where the Master Policy Stops (2026)
HOA insurance vs homeowners insurance: the master policy covers common areas and structure while your HO-6 covers walls-in, personal property, and liability.
8 min read
September 9, 2026
ExplainersWho Pays the HOA Master Policy Deductible: Association or Unit Owner (2026)
Who pays the HOA master policy deductible depends on your CC&Rs, the cause of the loss, and state law. See the allocation rules and buy-down option.
6 min read
September 7, 2026
ChecklistsHOA Vendor Insurance Requirements: Limits and Endorsements by Trade (2026)
What GL limits and endorsements should your HOA require from vendors? Trade-by-trade matrix for landscapers, roofers, pool companies, and more.
7 min read
September 7, 2026
ExplainersWhat HOA D&O Insurance Does Not Cover: Exclusions Boards Miss (2026)
HOA D&O insurance excludes bodily injury, fraud, and insured-vs-insured claims. See the full exclusion list and carve-backs your board should verify.
7 min read
September 6, 2026
ExplainersHOA Selective Enforcement Lawsuit Insurance: Does D&O Cover Uneven CC&R Claims? (2026)
HOA selective enforcement lawsuit insurance covers D&O defense costs for uneven CC&R claims. What's covered, excluded, and the board records that keep coverage intact.
8 min read
September 6, 2026
ExplainersProperty Manager E&O Claim Examples: What Triggers a Lawsuit from an HOA Board (2026)
Property manager E&O claim examples from HOA boards: missed renewals, botched assessments, and failure to procure coverage that trigger lawsuits.
8 min read
September 5, 2026
ExplainersHOA Breach of Fiduciary Duty Insurance: What D&O Actually Covers (2026)
HOA breach of fiduciary duty insurance covers defense and settlements for good-faith decisions. See claim triggers, what D&O pays, and exclusions.
9 min read
September 5, 2026
ChecklistsHOA Management Company Insurance Requirements: What You Need to Win Contracts (2026)
What insurance a CAM firm needs to win HOA management contracts: E&O, crime, GL limits and the COI package boards require before signing.
9 min read
August 28, 2026
ExplainersVirginia POA Act vs Condominium Act: What Your Association Must Insure by Statute
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.
6 min read
August 27, 2026
ExplainersCalifornia Civil Code 5800: Volunteer Director Immunity and the D&O Insurance Condition
California 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
ExplainersDavis-Stirling §5806: The California HOA Fidelity Bond, Sized and Placed
What 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): What Your Condo Association Must Insure (2026)
Florida 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 GuidesHOA Insurance Cost in 2026: What Communities Actually Pay
What 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
ExplainersDoes HOA Insurance Cover Water Damage? Who Pays by Source (2026)
Whether 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: What Statutes and CC&Rs Require (2026)
HOA 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
ExplainersFannie Mae Condo Insurance Requirements: The 2026 Master Policy Rules Lenders Check
The insurance a condo project needs to meet Fannie Mae's 2026 standards: master policy, liability, the new $50,000 per-unit deductible cap, and reserves.
10 min read
August 19, 2026
ExplainersHOA Fidelity Bond Requirements: How to Size the Bond in 2026
How HOA fidelity bond requirements are set by Fannie Mae, Freddie Mac, FHA, and state law, plus how to calculate the right coverage amount.
10 min read
August 18, 2026
ComparisonsCondo Master Policy Types: Bare Walls vs. Single Entity vs. All-In (2026)
Condo 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
ExplainersHOA Board Member Personally Sued: What Actually Protects You in 2026
A 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
ExplainersCommunity Association Management Company Insurance: What Your Firm Needs in 2026
What a community association management company carries for its own business: E&O, crime, cyber, GL, and workers comp, apart from association policies.
11 min read
August 17, 2026
ComparisonsLoss Assessment Coverage vs the HOA Master Deductible: Who Pays Your Share (2026)
How loss assessment coverage on an HO-6 pays a unit owner's share of the HOA master-policy deductible, and how Fannie Mae's 5% and $50,000 per-unit limits apply.
7 min read
August 17, 2026
ChecklistsSwitching HOA Insurance Brokers: How the Broker-of-Record Process Works
A 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
ComparisonsFlat-Fee vs Commission Broker for HOAs: How Your Insurance Advisor Gets Paid
Most 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
ComparisonsHOA Insurance Agent vs Broker vs Direct: Who Should Place the Association's Coverage
Agent 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: 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.
10 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
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