HOA Board Insurance Buying Guide
A plain-English guide written for board members who need to understand what their association’s insurance covers, what it doesn’t, and what gaps put the board at personal risk.
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What You'll Learn
- The 5 policies every HOA needs and what each one actually covers
- Why D&O insurance protects board members personally
- Fidelity bonds — how much coverage your association needs
- The #1 coverage gap that leaves most HOAs exposed
- How to evaluate your current policy at renewal time
Key Takeaways from This Guide
40% of HOA boards
don’t carry adequate D&O coverage, leaving individual board members personally liable for lawsuits and management decisions.
Fidelity bond minimums
should equal at least 3 months of assessments plus reserves. Many associations carry far less than recommended.
Umbrella policies
add $1M–$5M in extra liability protection for as little as $500–$1,500/year — critical for associations with pools, playgrounds, or common areas.
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No obligation · Free quotes · Licensed in 29 States