Master Property Policy
The governing documents obligate the association to insure the common property, and with no manager the board must place and renew it directly and keep it insured to value.
What Self-Managed HOA insurance covers
The full self-managed hoa insurance program, read one line at a time. What each policy is for, and how we rank it by priority.
- Coverage lines
- 9
- Priority tiers
- Core · Recommended · Situational
- Placed across
- 60+ carriers
Trusted by 60+ carrier partners
Core
Required for every self-managed association
Directors & Officers (D&O)
The board makes every operational call itself, so the range of decisions that can draw a suit is wider. D&O defends the volunteers personally.
Read the Directors & Officers guideGeneral Liability
Common-area injuries are the most frequent association claim, and the board directs the vendors and upkeep that create the exposure.
Read the General Liability guideRecommended
Needed where the board handles funds and vendors
Fidelity / Crime Bond
A volunteer treasurer controls the accounts directly. Without a management firm's controls, the bond is the association's protection against internal theft, and lenders require it for warrantability.
Read the Crime & Fidelity guideWorkers Compensation
Once the board hires crews directly, an uninsured contractor's injury can fall back on the association. Workers comp is the backstop.
Read the Workers Compensation guideEquipment Breakdown
Gates, pumps, and shared systems fail without warning and sit outside standard property coverage, with no manager to catch the gap.
Situational
Depends on amenities and size
Umbrella / Excess Liability
Recommended once a pool, clubhouse, or private roads raise the chance of a claim exceeding the primary limit.
Read the Umbrella Insurance guideFlood / Difference in Conditions
Required by lenders in a FEMA flood hazard area and worth carrying for any low-lying common property.
Non-Owned Auto
Useful when board members drive personal vehicles on association errands, which self-managed volunteers routinely do.
Go deeper
Read any line in full
Each coverage has its own guide with limits, exclusions, and the claims it actually pays, across every business we place it for.
Get a quoteWe will build the program around your operation.
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We'll be your risk team.
Send us your current policy and a licensed advisor will benchmark your self-managed HOA insurance across 60+ carriers — showing you where the gaps and the savings are. If your program is already solid, we'll tell you. Either way, you get a free expert review.
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