Why Choose HOA Insurance Agency
Premiums, complexity and lender scrutiny are all rising. We compare up to 12 appointed Insurance companies for your association, explain every option in writing, and disclose any broker fee before you purchase.
The 2026 Insurance market
The HOA Insurance market has turned. Your renewal may not have.
Property pricing is softening while liability keeps climbing. Boards that renew without re-marketing can miss the relief and still absorb the increases.
- Premiums 91%1
of associations saw premiums rise
17% saw increases above 100%
- Capacity 23%1
moved to surplus lines carriers
20% lost access to at least one insurer
- Property · Easing −10%2
U.S. commercial property rates, year over year
Capacity and competition returned in Q3 2026
- Liability · Rising +6%2
U.S. casualty rates, Q3 2026
Umbrella and excess rising faster still
- New lender rule $50,0003
Maximum per-unit master policy deductible under Fannie Mae’s updated condo requirements
Loan applications dated on or after July 1, 2026
- Foundation for Community Association Research, Insurance Coverage Trends Survey.
- Industry commercial Insurance rate index, Q3 2026.
- Fannie Mae Lender Letter LL-2026-03, March 18, 2026. Freddie Mac issued matching guidance the same day.
Who we are
An independent agency built for community associations
We place master policies for homeowners and condominium associations nationwide, take your risk to the markets that write it, and document every recommendation for your board.
- Property, liability, D&O, crime and umbrella placed as one program
- Licensed in all 50 states and the District of Columbia
- Any broker fee and our compensation disclosed before purchase
What it means for your board
Why your association needs an HOA Insurance agency right now
A shifting market rewards associations that prepare and penalizes those that simply renew.
-
Property relief isn’t automatic
Softer pricing reaches associations whose risk is actively marketed, not those that simply renew.
-
Liability is the new pressure point
Limits set years ago may no longer match your exposure, and D&O terms face closer scrutiny.
-
Lender rules now reach your policy
Deductibles and replacement cost can decide whether condo owners can sell or refinance.
How we help
Why boards choose ProtectMyHOA as their HOA Insurance agency
A dedicated HOA and condominium Insurance agency, licensed nationwide.
-
We work for the association
Appointed with 12 markets, we recommend the best fit for your community, not one insurer.
-
One coordinated program
Property, liability, umbrella, D&O, crime and ordinance or law placed so limits and deductibles agree.
-
Renewals planned, not rushed
Valuations and loss runs updated early, with options back in time for your board to budget.
-
Clear fees, full disclosure
Review, comparison and indication cost nothing, and our compensation is shown on every option.
The process
Review. Compare. Place. Record.
Four stages, in order, on a schedule your board can hold us to.
-
Review
Policy, loss runs and governing documents, read together.
-
Compare
Every quote from the appointed markets, side by side.
-
Place
Your board’s choice bound, with certificates and lender evidence checked.
-
Record
The ProtectMyHOA Board Record, ready for your minutes.
Our markets
The HOA Insurance companies we compare
One submission reaches 12 directly appointed markets. Availability varies by state, association type and risk profile.
Questions
Choosing an HOA Insurance agency
What are the best HOA and condominium Insurance companies?
There’s no single best insurer for every association. The right fit depends on your property, location, loss history, coverage needs and budget, and on which companies are writing that risk today. As an independent agency appointed with 12 markets, we compare the ones that write your association and set out the trade-offs in writing.
Should our HOA or condominium association use an independent agent or go directly to an insurer?
Going direct gives you one insurer’s options. An independent agent can take one submission to multiple Insurance companies, compare coverage, deductibles and limits side by side, and find other markets if your carrier raises rates or non-renews. Your board still makes the choice, and nothing is bound until it does.
When should our board start the renewal process?
Ideally 90 to 120 days before your policy expires. That leaves time to update valuations and loss runs, market the risk and bring options back in time for your board to budget and vote. If your renewal is sooner, contact us anyway and we’ll work to the time you have.
Contact Us Today
New business and quote requests
420 Lakeside Ave, Suite 202
Marlborough, MA 01752
Claims and urgent matters
Claims go to insurance@ProtectMyHOA.com, the mailbox for general enquiries, service and claims. Notifying us does not replace any notice your policy requires you to give the carrier. If a deadline is close, call rather than email.