HOA Insurance, Reserves & Professionals
How HOA and condo insurance and reserves work-and how to find a vetted attorney, accountant, or reserve specialist.
Arizona Condo Insurance: Rules & Costs
Arizona condo insurance requires a master policy covering at least 80 percent of cash value under ARS 33-1253. Here is what to carry and what it costs.
Best HOA & Condo Reserve Study Companies (2026)
An independent look at the national reserve-study firms HOAs and condos hire most: specialties, credentials to check, and how to compare quotes.
Best HOA Insurance Companies 2026: Master Policy Carriers
Top HOA master-policy insurers compared: State Farm, Farmers, Nationwide, The Hartford, and more. What to look for in an HOA insurance carrier.
California Condo Insurance: Rates & Coverage
California condo insurance premiums have surged in wildfire zones. Learn how the FAIR Plan, surplus lines, and Davis-Stirling requirements affect your HOA.
Can an HOA Borrow From Its Reserve Fund? State Rules
Can an HOA borrow from its reserve fund? Learn state rules for California, Florida, and Washington, required votes, repayment limits, and alternatives.
Can an HOA Invest Reserve Funds?
Can an HOA invest reserve funds beyond a checking account? Yes, within limits: CDs, money markets, and Treasuries, under a prudent-investor standard.
Can an HOA Require Homeowners Insurance? HO-6 Rules & Proof
Yes, most HOAs can require homeowners or HO-6 insurance and ask for proof of coverage. What the master policy covers, and what happens if you don't comply.
Colorado Condo Insurance: CCIOA Rules and the FAIR Plan
Under CCIOA C.R.S. 38-33.3-313, Colorado condo associations must carry full replacement cost property coverage. Learn unit boundaries and FAIR Plan rules.
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.
Fannie Mae Condo Reserve Requirements: 10% to 15% Rule
Learn Fannie Mae condo reserve requirements, how the 10 percent rule rises to 15 percent in 2027, how reserve studies qualify, and budget rules.
Florida Condo Insurance
Florida condo insurance is easing in 2026 after five hard years. What premiums look like today, admitted vs. surplus lines carriers, and how to shop.
Free HOA Reserve Study Template (CSV)
A free HOA reserve study and funding-plan template in CSV format: component, install year, useful life, replacement cost, and current vs. target reserve.
Georgia Condo Insurance: Master Policy Rules Under 44-3-107
Georgia condo insurance rules require associations to cover building structures and original unit interiors under O.C.G.A. 44-3-107. See the rules.
HO-6 Insurance: What It Is, What It Covers
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 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 Percent Funded: How to Calculate It, With an Example
Learn how to calculate HOA percent funded step by step. See the fully funded balance formula, a worked component example, and funding benchmark bands.
HOA Reserve Fund Accounting Entries
Worked journal entries for HOA reserve fund accounting: the monthly contribution, transfers between operating and reserve cash, and reserve-funded repairs.
HOA Reserve Study Components and Useful Life Table
Learn which reserve study components belong in an HOA study, review a useful life table across common assets, and calculate your fully funded balance.
HOA Reserve Study Cost & Requirements
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.
How Much Should an HOA Have in Reserves? Funding Benchmarks
How much should an HOA have in reserves? Learn percent funded bands, full vs baseline funding, the lender 15 percent rule, and how to check yours.
How to Do a Reserve Study for Your HOA, Step by Step
Learn how to do a reserve study for your HOA step by step. Calculate your fully funded balance, percent funded, and build a 30-year funding plan.
Illinois Condo Insurance: Master Policy Requirements
Illinois condo insurance rules under 765 ILCS 605/12 require $1,000,000 in liability coverage and full replacement cost. See what boards must carry.
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.
Maryland Condo Insurance Requirements and Deductibles
Maryland Real Property § 11-114 requires condo councils to carry property and liability coverage. See how master policies treat unit damage.
Massachusetts Condo Insurance: 183A and FAIR Plan Rules
Massachusetts condo insurance rules under M.G.L. c. 183A, s. 10. Learn common-area coverage powers, fidelity requirements, and the MPIUA FAIR Plan.
Michigan Condo Insurance Requirements and Regulations
Michigan condo association insurance rules require fire, vandalism, and liability coverage. See what the Condominium Act demands and how the MBPIA works.
Nevada Condo Insurance Requirements and 2026 Wildfire Rules
Nevada condo insurance requires 80 percent actual cash value under NRS 116.3113. See how the 2026 wildfire law, AB 376, affects master policies.
New Jersey Condo Insurance: Requirements and Coverage Rules
New Jersey condo insurance law requires coverage for common elements and structures. See how N.J.S.A. 46:8B-14 and NJIUA hurricane deductibles work.
New York Condo Insurance: Board Duties and NYPIUA
New York condo insurance rules under RPL 339-bb, board coverage requirements, premium allocations, and what NYPIUA's FAIR Plan covers.
North Carolina Condo Insurance Rules Under G.S. 47C-3-113
North Carolina condo insurance law requires associations to insure common elements to at least 80% of replacement cost under G.S. 47C-3-113. See the rules.
Oregon Condo Insurance: ORS 100.435 Rules and Coverage
Oregon condo insurance rules under ORS 100.435. How master policies handle units, deductibles, subrogation waivers, and the Oregon FAIR Plan.
Pennsylvania Condo Insurance: Association Rules, Deductibles
Pennsylvania condo insurance mandates an 80% actual cash value floor under 68 Pa.C.S. 3312. Learn statutory coverage rules and who pays the deductible.
South Carolina Condo Insurance and Coastal Wind Pool Rules
South Carolina condo insurance relies on a one-sentence state law. See how bare walls-in master policies work and how coastal buildings qualify for SCWHUA.
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.
Texas Condo Insurance & TWIA Windstorm Rules
Understand Texas condo insurance rules, including TWIA windstorm coverage in 14 coastal counties, WPI-8 certificates, average premiums, and HO-6 policies.
Underfunded HOA Reserves: What Happens and How to Fix It
Learn what happens when an HOA has underfunded reserves, how Fannie Mae and state laws affect buying, and the steps boards take to fix a reserve deficit.
Washington Condo Insurance: Master Policy Rules and Laws
RCW 64.34.352 mandates 80 percent actual cash value property coverage and liability insurance for Washington condo associations. See how it works.
What Are HOA Reserve Funds Used For? Covered Expenses
Learn what HOA reserve funds are used for, what expenses they cover, how they differ from operating funds, and how boards budget for major repair work.
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.
Who Pays for Hurricane Damage to a Condo? Owner vs. HOA
Who pays for hurricane damage to a condo? See what the association repairs, what your HO-6 covers, and how the deductible becomes your assessment.
Wisconsin Condo Insurance Rules Under Wis. Stat. 703.17
Wisconsin condo insurance law requires full replacement value property coverage and a liability policy in the association's name as trustee for owners.