🏘️ 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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Know these numbers
Where HOA boards usually get caught
5%
The most Fannie Mae allows for any master policy deductible, wind included. Go over it and buyers can lose conventional financing.
100%
Of replacement cost: what the master policy should insure the buildings for. Fall short and owners can be assessed after a loss.
3 months
Of total assessments: the fidelity coverage Fannie Mae generally expects when the association has basic financial controls.
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