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Homeowners Association Insurance - Let us find your best coverage - coverage for HOAs and their volunteer boards

HOAs face injury claims on common ground and lawsuits over board decisions, so carriers ask about amenities, budgets and how the board handles rules and money. Send us a few details and we will shop 50+ carriers for your best rate – no cost, no obligation. Prefer to talk? Call 800-616-3490.

Homeowners Association (HOA) Quote Request

Applicant Information:

Business Structure (Optional - choose one)

Have these handy

  • Number of lots or homes
  • Annual budget and reserves
  • List of amenities
  • Current insurance declarations

Related coverage

Coverage details

What Homeowners Association coverage includes

HOAs face injury claims on common ground and lawsuits over board decisions, so carriers ask about amenities, budgets and how the board handles rules and money.

  • General liability - Injuries at pools, parks, trails and other common areas.
  • Directors and officers - Claims over rule enforcement, fines, budgets and votes.
  • Common area property - Clubhouses, gates, fences, signs and amenities.
  • Fidelity / crime - Theft of dues and reserves by volunteers or managers.
  • Umbrella - Higher liability limits for larger communities.

Good to know: D&O policies that include non-monetary claims and fair housing defense are worth asking for, since most HOA suits are about rules, not money.

Not covered: damage to individual homes and owner property, and on many D&O forms, failure to maintain insurance or bodily injury.

Insurance Application:

Homeowners Association (HOA)

Required forms

Homeowners Association (HOA) Supplemental Application (PDF)

Download, complete and email to info@societiesinsurance.com, or attach it with your quote request.

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Contact details

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