Insurance for Your Community
Whether you're a homeowner looking for HOA coverage, a landlord, or a renter in one of our communities, we help connect you with providers that understand association living and shared spaces.
ResourcesLaws, Guides and Tools
Laws, Guides and Tools
for Your Association.
Official laws, outside guides and tools we point boards to, organised by state. Pick your state to see what applies to you.
For Virginia associations
For every state
Selecting a Management Company
What volunteer boards should look for when hiring a management company, one of the biggest decisions they make for the community.
Contracting with Vendors
How to vet landscaping, pool and maintenance vendors and what to review before the board signs a service contract.
Communicating with Residents
Newsletters, email and other channels boards use to keep owners informed, including how to share budget highlights.
Records Retention Policy
Which association records to keep, for how long, and why a written retention policy that follows state law matters.
Electronic Meetings and Voting
How online meetings and ballots can raise participation, and the practices that keep electronic elections secure and valid.
Reaching Quorum
Options for associations that struggle to reach quorum for elections, from lowering the requirement to working with legal counsel.
Avoiding Conflicts of Interest
What fiduciary duty means for board members and how to spot and handle situations where a director could benefit personally.
The Roles of Board Officers
What the president, vice president, secretary and treasurer each do, including the treasurer's oversight of the finances.
Reviewing the Association's Coverage
What to check when evaluating or renewing a master policy: coverage levels, state requirements and what the governing documents assign to owners.
Insurance: Who Covers What
How insurance responsibilities are usually split between the association and individual owners, and where governing documents and lenders come in.
Preventing Fraud and Embezzlement
Controls a board can put in place, from knowing every bank account under the association's tax ID to the warning signs of theft.
These links are for general information and are not legal advice. Statutes change; confirm the current text with the official source and your association’s attorney.