Load the portfolio
Policies, renewal dates, carriers, and documents go into one view.
Insurance Brokerage Partner for HOA Managers
Coverwatch specializes in insuring the HOAs in your portfolio, run by people who have managed communities themselves. We automate the renewal busywork on our platform and present every option to the board.
Trusted by 60+ carrier partners
Your communities stay yours. We handle their insurance.
Your boards stay your clients
We act as your insurance advisor, reviewing coverage ahead of each renewal and presenting to boards on your behalf, so your management company stays the face of the relationship.
Flat fee, aligned with your HOAs
We charge a flat fee per placement, not a percentage of premium, so we never earn more when a board pays more. No cost to your management company.
One platform for your whole portfolio
Track every association's policies, renewal dates, certificates, and documents in one place, so you always know what each community carries and what is coming due, without digging through spreadsheets or broker emails.
Specialty pricing across your portfolio
Because you bring a whole book of associations, we can place them into specialty HOA programs that typically cut premiums 20–40%, while each community keeps its own policy, renewal, and board presentation.
How it works with your team
Work the renewal calendar
Starting 120 days out, we collect loss runs and documents, shop 60+ carrier partners, and prepare the proposal.
Present to the board
We compare options line by line and answer coverage questions, keeping your managers out of the back-and-forth.
Handled by Coverwatch
Loss run requests
Complete prior-term histories keep every submission accurate and market-ready.
Certificates & evidence of insurance
Same-day turnaround keeps refinances and closings moving.
Renewal marketing & quotes
More than 60 carrier partners compete, with quotes compared side by side.
Board renewal presentations
Limits, deductibles, exclusions, and premiums are laid out for an informed vote.
Policy documents & dec pages
Current files stay searchable in a single portfolio view.
See what changes at renewal
Get a quote30%
Below the competing broker’s quote
We took the renewal to the full carrier market, broadened coverage, and closed a $16.5 million gap between the insured value and the cost to rebuild.
Los Angeles, CA · 100-unit condominium · $16.7M insured value
8%
Final renewal increase, down from 28%
A building valuation review uncovered errors behind the renewal. We corrected them, remarketed the account, and walked the board through every change.
Pasadena, CA · 112-unit condominium · Self-managed board
$41,500
Annual savings
After comparing three competing property and wind programs, the board selected stronger coverage for its coastal exposure.
Florida coast · Beachfront condominium · Property and wind
Frequently asked questions
We act as your portfolio's insurance operation. Our platform tracks every policy, renewal, and document while we handle loss runs, submissions, marketing to 60+ carriers, and board presentations.
No. Your team remains the board's point of contact. We work behind the scenes as your licensed insurance desk, handling placement and service while you keep the account.
No. Our flat fee is built into each placement and never rises with premium, keeping recommendations focused on coverage and price.
No. We load the full renewal calendar, then transition each association as its renewal approaches, starting 120 days out.
A written coverage review and side-by-side quotes comparing limits, deductibles, exclusions, and premium. We answer the board's questions directly so your managers do not have to be the insurance expert in the room.
Grouping associations opens specialty community programs unavailable to a single risk, typically saving each HOA 20–40%. Each community still gets its own policy and board vote.
We load the portfolio up front, then begin each renewal 120 days before expiration. Certificate and evidence requests are handled from day one.
Book a portfolio review
Share your renewal calendar. We'll map the first renewals and show you the platform.
Your quote
