Bobby Friel
Partner, Direct Insurance Services
HOA Insurance Risk Calculator
Find the coverage gaps exposing your board in 60 seconds
Most HOA boards don't realize they have coverage gaps until there's a claim. This free assessment identifies common exposures in your D&O coverage, master policy, fidelity bond, and other core policies. No email required. No sales pressure. Just 10 questions and specific findings about where your association may be exposed.
What You'll Get
In 60 seconds, you'll receive a personalized report showing:
Your Risk Score
A numerical score from 0–10 showing your overall exposure level, color-coded for severity.
Specific Coverage Gaps
We identify 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.
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
Based on policy reviews by Direct Insurance Services across 29 states.
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