HOA Insurance School
Learn your association's insurance. One lesson at a time.
Six short lessons, one for each coverage. Read a little, watch a little, answer three questions, earn your badge. Most people finish in twenty minutes. No insurance license required.
School score:0 of 18 quiz questions right
PGDCUW
Pick a lesson
Start anywhere. Finish them all, and you graduate.
Each lesson stands on its own, so start with the coverage your board is talking about this month.
You made it. Consider yourself fluent in HOA insurance.
The best final exam is your own policy: six quick questions about what your association actually carries, and a free review from us if you want one.
Take the Coverage Double Check → Enter the gift-card drawing →Finished all six lessons? Tell us who you are, enter your completion code, and you're in the drawing. We'll email your Certificate of Completion.
The library
Browse every topic on the FAQ page→
Prefer to browse on your own? Everything is here too.
No lessons, no score. Open a shelf and take what you need.
AArticlesThe Coverage Explained series, five minutes each+
VVideosWhiteboard explainers, a few minutes each+
How is replacement cost determined?
GL vs. D&O for your HOA
Workers’ Comp for your HOAGGuides & decksPrintable PDFs for the board binder+
?Ask a questionSearch 92 real answers from boards and owners+
I reached out to EOI Direct and I can’t get what I need.
If you have contacted EOI Direct but still have questions or need additional information, please email us at associations@myinsurancewarehouse.com. We are here to help!
Do we have to pay for HOA mailers to be sent to homeowners?
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.
Can I change the information on the welcome letter?
Contact your account manager for documentation updates.
SScenario practiceWhich policy answers? Play one, no score kept+
From the library · Read
Articles for boards and property managers
Everything we have written about association insurance, in plain English and grouped by topic. Each one takes about five minutes to read.
Coverage Explained
What each piece of an association’s insurance program does, and the questions to ask before your next renewal.
PropertyThe buildings and common areas, how the value is set, and the deductibles that surprise boards.Read the article →
General Liability vs. D&OSomeone slips on a walkway or is hurt at the pool. Which policy answers, and which one covers the board.Read the article →
Directors & OfficersProtects the volunteers on your board for the decisions they make on the association’s behalf.Read the article →
Crime & FidelityReplaces association money when someone with access to it takes it. Lenders check the limit.Read the article →
UmbrellaExtra liability limits above the primary policies, for the claim nobody planned for.Read the article →
Workers’ CompensationWhy an association with no employees still carries it, and what it costs.Read the article →
Loss Assessment CoverageWhat unit owners should carry on their own policy when the association passes a claim cost along.Read the article →
Reconstruction Cost vs. Real Estate ValueWhy the number on the policy is what it costs to rebuild, not what the units would sell for.Read the article →
HOA Risk Management Guides
Practical ways to prevent the claims we see most often. Each guide has a printable PDF.
Community Safety ChecklistA printable walk-through for boards and managers: walkways, lighting, pool, contractors.Read the article →
Slip, Trip and Fall PreventionCracked sidewalks, refrozen meltwater and loose handrails are the most common claims.Read the article →
Adequate LightingPoor lighting is a common thread in premises claims and break-ins.Read the article →
Community Pool SafetyKeeping the association pool safe, and what the carrier expects to see.Read the article →
Licensed and Insured ContractorsA handy board member or the cheapest bid can look like savings, until someone is hurt.Read the article →
See all articles →
New articles are added to this page as they are published.
From the library · Try the numbers
Three numbers every board should know.
What would a storm deductible cost your association?
Wind and hail deductibles are a percentage of each building’s insured value. Enter a building value to see the dollars.
$10,0001% deductible
$20,0002% deductible
$50,0005% deductible, per building, per storm
A deductible like this is why we recommend every owner carry loss assessment coverage on their HO-6, and why the board should know the number in dollars before renewal.
How big should your crime limit be?
FHA and Fannie Mae expect the limit to cover at least three months of assessments plus all reserve funds. Enter your numbers.
$350,000Suggested crime limit, rounded up to the next $25,000. 3 months of assessments ($90,000) plus reserves ($250,000).
We run this calculation at every renewal. Assessments and reserves both grow, so a limit that was right three years ago is usually short today.
See how the layers stack.
Pick an umbrella limit. The umbrella only pays after the General Liability policy has paid its full limit.
$6,000,000Total liability protection for a single claim.
HOA Insurance School
Understand your association’s insurance, one short lesson at a time.
Six lessons, about three to four minutes each. Read at your own pace. There is no timer, and you can’t fail.
Free to use. No account or sign-in needed.
How it works
- Read a short lesson
Plain-language pages with a short video. About three minutes.
- Answer three questions
Check what you learned. You can try again as often as you like.
- Get your certificate
Finish all six lessons and we’ll print a certificate in your name for the board binder.
The six lessons
Take them in order or start with the one your board is asking about.
You have finished 0 of 6 lessons.
- Lesson 1
Property
The biggest number on the policy: what it costs to rebuild, what the master policy covers inside a unit, and the deductible.
Start lesson 1 - Lesson 2
General Liability
Someone is hurt on the property. Who pays, what the policy does for the board, and why you report it right away.
Start lesson 2 - Lesson 3
Directors & Officers
Protects the volunteers on the board when an owner disagrees with a decision and sues.
Start lesson 3 - Lesson 4
Crime & Fidelity
Protects the association's money if someone with access to it takes it, and what limit lenders expect.
Start lesson 4 - Lesson 5
Umbrella
Extra liability protection above the main policy, for the rare claim that is larger than expected.
Start lesson 5 - Lesson 6
Workers’ Compensation
Why an association with no employees still needs it: volunteers and contractors without their own coverage.
Start lesson 6
Read, watch or print
Everything in the lessons, available to browse on your own.
Articles 8 articles, about 5 minutes each
Property: what the master policy coversThe buildings, the common areas, how the value is set and what the deductible means.Read the article
General Liability vs. D&OSomeone slips on a walkway, or the board is sued. Which policy answers.Read the article- Directors & OfficersHow the board is protected for the decisions it makes.Read the article
- Crime & FidelityReplacing association money if someone with access takes it.Read the article
- UmbrellaExtra liability limits above the main policies.Read the article
- Workers’ CompensationWhy an association with no employees still carries it.Read the article
- Loss Assessment CoverageWhat unit owners should carry on their own policy, and why.Read the article
Reconstruction Cost vs. Real Estate ValueWhy the amount on the policy is not the sale price of the homes.Read the article
Short videos 3 whiteboard explainers
Printable guides 5 guides for the board binder
Common questions
Real questions from boards and owners. Select a question to read the answer.
How do we submit a claim for our HOA?
Please tell us as soon as possible after a loss. Email claims@myinsurancewarehouse.com and our Claims Manager will explain the next steps and start the process with you. Have the date, the location and any photos or documents ready.
What does a “5% per building” wind and hail deductible mean?
The deductible is 5% of the insured value of each building. On a building insured for $1,000,000, the deductible for a wind or hail storm is $50,000. If the association does not have that much in reserves, it may issue a special assessment to the owners.
What is Loss Assessment Coverage?
It is an addition to each owner’s own (HO-6) policy. If the association has a large loss and the master policy deductible is more than the reserves can cover, the association can assess the owners. Loss Assessment Coverage helps pay your share.
Why do I need building coverage on my own HO-6 policy if the HOA has a master policy?
Your own policy fills the gap between the master policy and your unit. It covers interior items the master policy may not, such as upgraded flooring, cabinets or lighting, and can help pay your share of the master policy deductible.
Where do I request a certificate of insurance for my mortgage company?
Certificates are issued by our partner, EOI Direct. Call (877) 456-3643 or visit eoidirect.com. If you still need help, email associations@myinsurancewarehouse.com.
Check your own numbers
Type in your association’s figures. The answer updates as you type and explains what it means.
What would a storm deductible cost us?
$50,000
How big should our crime coverage limit be?
$325,000
How much liability protection do we have in total?
The main General Liability policy pays first, up to $1,000,000. An umbrella adds protection on top. Choose your umbrella amount:
$6,000,000
What would my share of a deductible assessment be?
$2,500
Are our buildings insured for enough to rebuild?
$88,889
Your certificate
Finish all six lessons and we’ll issue a Certificate of Completion in your name, ready to print for the board binder.
Insurance Warehouse · HOA Insurance School
Certificate of Completion
Your Name
has completed all six lessons: Property, General Liability, Directors & Officers, Crime & Fidelity, Umbrella and Workers’ Compensation.
Craig Skarnes, Insurance Warehouse
Free · one minute · no forms
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.
✓ Swipe right or tap Yes? Swipe left or tap Not sure
Request my free Coverage Double Check →
No quiz needed. Send us your current policy and we review it with you, no obligation.
Building coverage1 / 6
Do you know whether your master policy is “Bare Walls”, “Original Specs” or “All-In”?
It decides what the association pays for inside each unit after a loss.
Card 1 of 6