HOA insurance actually involves two separate purchases made by two different people: the association's board buys a master policy covering the building and common areas, and each homeowner separately buys their own individual policy (an HO-6 for condo units, or a standard homeowners policy for a single-family home in an HOA) to cover everything the master policy doesn't. See our full guide on what the master policy covers for the coverage gap in detail.
Master policy carriers & specialty brokers (for HOA boards)
Community association insurance is a specialized line — a broker or program administrator that works exclusively (or mostly) with HOAs tends to understand nuances like bare-walls vs. walls-in coverage, reserve adequacy, and board liability far better than a generalist agent. These are real, established names in that space:
Acentria Insurance
Regional/national brokerage (a Foundation Risk Partners company) with a dedicated condominium and community association insurance practice.
866-374-5084 · Mail@Acentria.com
Alliant Insurance Services
One of the largest specialty insurance brokers in the country, with a dedicated community association practice.
American Modern Insurance Group
National specialty carrier (a Munich Re company) with dedicated condominium/HO-6 insurance products, also used for HOA master-policy programs.
800-543-2644 · servicecenter@amig.com
Berkshire Hathaway GUARD Insurance Companies
National commercial P&C carrier backed by Berkshire Hathaway, writing condominium and community association master policies.
800-673-2465 · csr@guard.com
Community Association Underwriters (CAU)
The largest specialty MGA focused exclusively on community associations, with broad appetite from small HOAs to large high-rise condos.
Higginbotham
Insurance brokerage with a dedicated homeowners association specialty practice serving boards nationwide.
Kevin Davis Insurance Services (KDIS), an Amwins company
Long-established program administrator specializing in community association master policies nationwide.
McGowan Program Administrators
National program administrator with a dedicated community association insurance division.
Philadelphia Insurance Companies
National carrier with community association-specific master policy programs, often placed through specialty brokers.
USI Insurance Services
National insurance brokerage with a dedicated community association insurance practice serving HOA and condo boards.
703-205-8753 · theresa.melson@usi.com
Top-rated carriers for individual unit-owner (HO-6) policies
These are standard personal-lines insurers that write condo (HO-6) and homeowners policies for individual owners — this is the policy you buy yourself, separate from whatever your association carries:
American Family
Well-reviewed for condo and homeowners coverage with strong customer service ratings.
Amica
Consistently ranks #1 in J.D. Power's property claims satisfaction studies; strong reviews for condo (HO-6) coverage.
Nationwide
Broad condo insurance coverage options designed to fit a range of unit-owner needs.
Olympus Insurance Company
Florida-based carrier specializing in homeowners and condo (HO-6) insurance, including condo association master policies.
800-711-9386 · info@oigfl.com
State Farm
Widely available nationwide, frequently the lowest-cost option for standard condo insurance.
The Hartford
Highly rated for property claims satisfaction; offers condo and homeowners coverage, including through AARP-affiliated programs.
USAA
Frequently top-rated for condo and homeowners coverage, though only available to military members, veterans, and their families.
Related guides: HOA Insurance Explained · Renters Insurance in an HOA · Flood Insurance & HOAs · Rising Condo Insurance Premiums · Filing a Claim for Common Area Damage