No. When you start or renew your HOA policy with us, we will take care of mailing your homeowners an updated HO-6 information letter. The mailer will include instructions on how to obtain a Certificate of Insurance (COI), as well as coverage recommendations for each homeowner’s personal HO-6 policy. This is already included as part of our standard processing fee.

Contact your account manager for documentation updates.

All COIs are processed and sent directly from our partner, EOI Direct. You can call (877) 456-3643 to request a certificate by phone, or  visit www.eoidirect.com to request one online. If you have a question or need additional information on how to obtain a COI, you can email our team at associations@myinsurancewarehouse.com. 

Contact your agent to facilitate electronic signatures.

Property (100% RC), Liability, D&O, and Fidelity/Crime coverage meeting FHA/Fannie Mae limits.

You can visit www.eoidirect.com or call (877) 456-3643 to request a COI. If you have additional questions that aren’t answered, you can reach out to our team at associations@myinsurancewarehouse.com for assistance.

Yes, via your FIRST InSite account under the AutoPay tab.

Refer to the specific policy effective date and carrier billing cycle.

You can send us an email at billing@myinsurancewarehouse.com with any questions about your invoice, and one of our Billing Team members will reply as soon as possible. 

The processing fee includes all administrative costs for policy placement, documents, welcome letters, and carrier communication.

A finance agreement for an HOA insurance policy is a payment arrangement that allows your association to spread out the cost of its annual insurance premium instead of paying it all up front. A financing company pays the full premium to the insurer, and your HOA repays that amount over time (typically monthly) with interest and a required down payment. This can help your HOA manage its cash flow and align expenses with incoming dues. If this is something that your HOA would like to consider, we are happy to discuss options with you.

You may have received a call from a different company because carriers often hire third-party vendors to complete property inspections on their behalf. These vendors handle the scheduling directly, and Insurance Warehouse is not involved in setting up those inspection appointments.

If you’re unsure, it’s important to have a qualified electrician inspect your electrical panels to confirm. Stab-Lok and Federal Pacific breakers are known fire hazards and are often considered uninsurable by many carriers due to their history of failure. If these breakers are present, replacement is strongly recommended to improve safety and maintain insurability.

In many cases, yes. Upgrading to impact-resistant, Class 4 shingles can qualify your association for premium discounts, often ranging from 5 to 35%, depending on the carrier. These shingles are more durable and better able to withstand hail and severe weather, which reduces risk and makes the property more attractive to insurers. Keep in mind that discount availability and amounts vary by carrier and policy.

Associations with properly installed and maintained fire sprinkler systems often qualify for lower premiums or more competitive pricing, since sprinkler systems significantly reduce the risk and severity of fire-related losses. This may make your association more favorable to insurers, however, the exact impact will vary by carrier and underwriting guidelines.

It depends on your association’s governing documents and approval process. The owner should first review the Declaration and Rules & Regulations and obtain board approval, as hot tubs can raise concerns around structural load, water damage, and liability. It’s also important to ensure the unit owner carries adequate liability insurance, and in some cases, the association may require additional coverage or specific installation guidelines to mitigate risk.

The best way to secure competitive rates is through strong risk management and consistent property upkeep. This includes staying on top of maintenance, addressing potential hazards early, and taking steps to prevent claims—especially related to water, fire, and liability exposures. Regularly reviewing your coverage to ensure accurate valuations and appropriate limits also helps position your association favorably with carriers. Well-maintained properties with fewer claims are typically rewarded with better pricing and more coverage options.

Most carriers require grills to be kept at least 10 feet away from any building or structure due to fire risk. This often means grills are not allowed on decks, balconies, or directly adjacent to units. Associations should also check local fire codes and their governing documents, as there may be additional restrictions or safety requirements in place. Adopting a clear grill policy within your Rules & Regulations can help ensure consistency, improve safety, and support compliance with insurance requirements.