HOA Insurance

Yes. California Civil Code Section 5805 requires HOAs to maintain property insurance and general liability insurance for common areas. Additionally, virtually all HOA governing documents (CC&Rs) contain their own ...

These terms describe how much of the physical structure the HOA's master property policy covers — and directly impact what individual homeowners need in their own HO-6 policies: Bare ...

California's insurance market has entered what the industry calls a "hard market" — driven by three converging forces: catastrophic wildfire losses (including major fires throughout Sonoma and Napa counties), ...

A lapsed or cancelled HOA master policy triggers serious consequences on multiple fronts: Lender requirements: Mortgages on units in your community typically require HOA coverage. Lenders can force-place coverage ...

Yes — and this is one of the most important coverages an HOA board can carry. HOA board members are volunteers making binding decisions on behalf of all homeowners. ...

Underinsurance is the single most common problem we identify when reviewing HOA policies — and it's almost always invisible until a major claim is filed. Common warning signs include: ...