🏘️ HOA Risk Calculator
Find the Coverage Gaps Exposing Your Board
Most HOA boards don't realize they have coverage gaps until there's a claim. Run this 60-second assessment for specific findings across D&O, master policy, fidelity bond, and reserves.
What you'll get
A personalized board exposure report in 60 seconds
Run the assessment and you'll see exactly where your association may be exposed — across D&O, fidelity, master policy, and reserves.
Your Risk Score
A numerical score from 0–10 showing your overall exposure level, color-coded for severity.
Specific Coverage Gaps
The exact coverage shortfalls in your D&O, fidelity bond, master policy, and other core coverages.
Severity Rankings
Each gap ranked CRITICAL, SIGNIFICANT, or NEEDS ATTENTION so you know what to fix first.
Clear Next Steps
Specific, actionable recommendations for each gap — not vague insurance jargon.
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What we see in the field
Most HOA boards have at least one critical gap
Based on policy reviews by Direct Insurance Services across 29 states.
85%
of HOAs we review have at least one critical coverage gap
$380K+
average exposure for boards without D&O coverage
65%
average fidelity bond shortfall vs required minimum
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