Insurance built for the way associations actually work.
We insure townhome, condo and homeowners associations. Only that. Which is why boards and property managers across Minnesota trust us with the roofs over hundreds of communities.
Most agencies treat HOA insurance as a side offering. We do nothing else.
Associations come with their own risks, their own documents and their own rules under the Minnesota Common Interest Ownership Act. A generalist learns them on your account. We already know them.
That is what lets us find coverage others miss, and pricing others cannot match.
A unit owner calls at 4:55 on a Friday.
Their lender wants proof of the master policy before closing on Monday. During business hours they reach a real person on our team who knows the association. After hours, our AI assistant answers the coverage questions and a person follows up the next morning.
Your board reads the proposal in plain English.
Every option side by side, every deductible explained, every gap named. Board members should not need an insurance license to vote.
A walk-through with a checklist, before the claim.
Sidewalks, lighting, pools, contractors. Our HOA Risk Management guides help the association fix small things while they are still small.
Six coverages. One team.
Swipe through them. If any card is missing from your current policy, that is where we start.
Property
The buildings, roofs and common areas, insured at what it actually costs to rebuild them.
Read how it works →
General Liability
Someone slips on a walkway or is hurt at the pool. This is the coverage that answers.
Read how it works →
Directors & Officers
Protects the volunteers on your board for the decisions they make on the association’s behalf.
Read how it works →
Crime & Fidelity
Covers theft or misuse of association funds, whoever has their hands on the checkbook.
Read how it works →
Umbrella
Extra liability limits above the primary policies, for the claim nobody planned for.
Read how it works →
Workers’ Compensation
Required even with no employees when volunteers and contractors do work for the association.
Read how it works →Is your association’s policy missing something?
Six quick questions about your current coverage. Most boards find at least one item they were not sure about. Swipe the cards or tap the buttons.
No quiz needed. Send us your current policy and we review it with you, no obligation.
How we work, in under a minute.
Two short films. One on how a renewal moves from request to board-ready proposal. One on keeping your community safe between renewals.
Ask us anything about HOA insurance.
Ninety-two real questions from boards, property managers and unit owners, answered in plain English. Start typing, or pick a topic.
Ask our 24/7 AI assistant any time. It is not a person, and it will tell you so. For a real person, email associations@myinsurancewarehouse.com during business hours.
Insurance Warehouse has been there for us, for years. We couldn’t imagine using any other insurance agency. Their service is always incredibly fast, and they proactively look out for us when our policies renew.Association client · Google review
Ready for a second opinion on your policy?
Send us what you have. We review it, show you the gaps in plain English, and there is no obligation to work with us afterward.