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Coverwatch is a flat-fee homeowners association insurance broker for boards, self-managed associations, and the management companies that run them. Less admin, broader market access, clearer risk.
Specialized in HOA & community association risk
Proactive renewal management
Flat fee, no commission on your premium
Trusted by 60+ carrier partners
No Commission on Your Premium
Your association pays one fixed annual fee. Recommendations stay focused on coverage and price.
Policy, CC&Rs, and Lender Requirements
Your board receives a written summary of gaps against state requirements and Fannie Mae and Freddie Mac guidelines. It is yours to keep with no obligation.
Every Line, Explained in Detail
We compare your limits, deductibles, exclusions, and premiums, then answer questions before the board votes.
60+ Carriers and Specialty Condo Programs
Your association receives competing quotes side by side, with coverage and price differences made clear.
One platform for a different insurance experience, from quote to claim.
Send us your current policies. Our platform maps your community, analyzes risk exposure, and delivers a clear, actionable plan.
Think of us as your in-house risk department. We provide end-to-end support for every policy your association carries, from the master program to specialty lines.
Know exactly where you’re exposed and where you’re over-insured
We start 120 days before renewal so you’re never scrambling
We advocate on your behalf when it matters most
Insurance certificates for unit owners, lenders, and board documentation on demand
A clear report on your current position and what to do about it
Most brokers start at 30 days. We start at 120.
Analyze current program, identify gaps, and benchmark premiums against the market
Take your profile to 60+ carrier partners and collect competing quotes
Deliver a board-ready proposal comparing options with clear recommendations
Finalize coverage, issue certificates, and confirm all documentation
Board presentations. We present renewals to your boards and answer coverage questions, on your behalf.
Renewal operations. One calendar across every association you manage. Loss runs, document collection, and applications handled end to end.
Portfolio marketing. Your associations are marketed together as a book, with access to specialty programs and pricing individual communities can't reach.
From a four-unit condo board to a large planned-unit development, the exposures change with the structure. We place coverage built for each one.
Run a different kind of community? Get in touch and we'll tailor coverage to it.
Comprehensive protection tailored to community association exposures
Slip & fall, bodily injury claims on common property
Buildings, common areas, amenities
Board decision liability protection
Protection against theft of association funds
Additional liability limits beyond base policies
On-site staff and contractor coverage
Wildfire, windstorm, hail coverage
Flood damage to shared structures
Shake damage excluded by the master property policy
HVAC, elevator, pool equipment
Code upgrade compliance costs
Data breach and digital payment protection
Association vehicle liability
Need coverage not listed here? Let's talk about your specific exposures.
30%
Below the competing broker’s quote
A competing broker had already quoted this association’s renewal. We marketed the program to the full carrier market and placed it about 30% below that quote, while broadening the coverage and closing 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%
The association’s renewal came back 28% higher with narrower coverage. We found errors in the building’s valuation, remarketed the account, and brought the final increase down to 8%, then walked the board through every change in plain terms.
Pasadena, CA · 112-unit condominium · Self-managed board
$41,500
Annual savings
Facing another wind-driven rate increase, this coastal association asked us to review its coverage. We compared three competing programs side by side and placed stronger coverage that saved the board $41,500 a year.
Florida coast · Beachfront condominium · Property and wind
Send your current declarations pages. We review the policy against your CC&Rs, state requirements, and Fannie Mae and Freddie Mac guidelines, then deliver a written summary of any gaps and where the association may be over-insured. The review is free, there is no obligation, and the report is yours to keep either way.
An HOA insurance broker shops your association’s coverage across the market instead of representing one carrier. A good one places the master policy, D&O, and fidelity bond as a single program, benchmarks the renewal against 60+ carrier partners, and answers lender questionnaires and certificates year-round. Coverwatch works on a flat fee rather than commission, so the recommendation is the best policy for your community, not the one that pays the broker most.
Send your current declarations pages, the reserve study, and recent loss runs, and Coverwatch markets the association to 60+ carrier partners and brings back competing HOA insurance quotes side by side, with the coverage form, deductibles, and limits compared. Because Coverwatch is a flat-fee broker, the quotes reflect the best fit for your community, not the highest commission. A full quote package usually takes days, not weeks, and starts well before renewal.
HOA insurance (also called a master policy) covers shared property, common areas, and liability exposures of a homeowners association. This typically includes physical structures like clubhouses, pools, and landscaping; general liability for injuries on association property; directors and officers (D&O) coverage for board members; and fidelity bonds to protect against employee theft. HOA insurance does not cover individual unit owners’ personal property or the interior of their homes.
HOA insurance premiums vary widely based on location, community size, construction type, claims history, and the coverage limits selected. Associations with pools, playgrounds, or other amenities typically pay more. Premiums have been rising across the industry due to construction costs and reinsurance rates. Working with a broker who shops multiple carriers can often offset these increases.
HOA insurance (the master policy) covers common areas, shared structures, and the association’s liability. Homeowners insurance (HO-3 or HO-6 for condos) covers an individual owner’s personal property, interior improvements, and personal liability. The two policies work together. Unit owners should review their HOA’s master policy to understand where association coverage ends and personal coverage begins. This is especially important with condo associations, where master policies can be "bare walls," "single entity," or "all-in."
Requirements vary by state and are also driven by your association’s governing documents (CC&Rs, bylaws) and lender requirements. Many states require at minimum property insurance and general liability for common areas. Some states like California and Florida have specific mandates around fidelity bonds and hazard insurance. Fannie Mae also has its own fidelity bond requirements for associations above certain assessment thresholds.
Directors and Officers (D&O) insurance protects HOA board members from personal financial liability when lawsuits arise from management decisions. Coverage includes legal defense costs, settlements, and judgments for claims of negligence, mismanagement, or breach of fiduciary duty. The right limits depend on community size and risk exposure.
Coverwatch charges a flat fee instead of earning commissions baked into your premiums. The recommendation is always the best policy for your community, not the one that pays the highest commission. Coverwatch also provides a technology platform where management companies can track renewals, monitor claims, and access all policy documents for every community in their portfolio.
A fidelity bond protects the association’s funds from theft or embezzlement by board members, employees, or property managers. Several states require them by law, and Fannie Mae has its own requirements tied to monthly assessment volume. Coverage amounts are typically based on your reserves plus a multiple of monthly assessments. Even when not legally required, a fidelity bond is considered essential for any association handling significant funds.
At minimum, annually during the renewal process. Best practice is to begin reviewing 90-120 days before renewal to allow time to shop the market and present alternatives to the board. Coverage should also be reviewed after major events: new construction, changes in state law, large claims, or significant changes in property values.
Get a free coverage review and risk plan. Even if you stay with your current broker, you'll have a second expert opinion on your association's coverage.
Your quote
