HOA Insurance, Reserves & Professionals
How HOA and condo insurance and reserves work — plus how to find a vetted attorney, accountant, or reserve specialist.
Best HOA & Condo Reserve Study Companies (2026)
An independent look at the national reserve-study firms HOAs and condo associations hire most — specialties, credentials to check, and how to compare quotes.
Best HOA Insurance Companies (2026)
Top HOA master-policy insurers compared — State Farm, Farmers, Nationwide, The Hartford, and more. What to look for in HOA insurance carriers.
Can an HOA Invest Reserve Funds? What Boards Can (and Can't) Do
Can an HOA invest reserve funds beyond a checking account? Yes, within limits: CDs, money-market accounts, and Treasuries, under a prudent-investor standard.
Can an HOA Require Homeowners Insurance?
Yes — most HOAs can require owners to carry homeowners or HO-6 insurance. How it works, and how it differs from a mortgage lender's own requirement.
Condo Association Insurance: Master vs. HO-6
How condo insurance works — what the association's master policy covers, what your HO-6 covers, common gaps, loss assessment, and why premiums are rising.
HO-6 Insurance: What It Is, What It Covers, and Costs
HO-6 insurance covers a condo unit owner's interior, belongings, liability, and loss assessments — how it fills the gap the master policy leaves.
HOA D&O Insurance Explained
HOA D&O insurance protects board members from personal liability for board decisions. See what it covers, typical costs, exclusions, and what to check.
HOA Insurance vs. Homeowners Insurance
HOA insurance vs. homeowners insurance: what your association's policy covers, what your own policy has to cover, and where condo owners face a different split.
HOA Master Policy: What It Covers
How an HOA master policy works: what the association's insurance covers, the coverage forms, deductibles passed to owners, and how to check yours.
HOA Reserve Study Cost & Requirements (2026 Guide)
How much an HOA reserve study costs ($1,000–$25,000+), how often it's required, and what your board needs to know before hiring one.
HOA Vendor Insurance Requirements
How HOA boards should set vendor insurance requirements — minimum liability limits, additional insured status, and verifying a current certificate.
Loss Assessment Coverage Explained
Loss assessment coverage on your HO-6 pays your share when the HOA passes a big claim or its deductible to owners. What it covers and how to size it.
Structural Integrity Reserve Study (SIRS)
Florida's SIRS mandate requires condo buildings 3+ stories to fund reserves for roofs, foundations, and structural systems — here's what boards must do.
What Does HOA Insurance Cover? A Complete Guide
What HOA insurance covers and what it doesn't — master policies, D&O, fidelity bonds, liability, and the gap your personal HO-6 policy must fill.