Stop guessing at limits. Get a risk-free coverage audit designed for boards who prioritize fiduciary duty over guesswork.


ou didn't win at the booth — but we didn't want you leaving empty-handed. We're doing a second-chance drawing for a $50 gift card as a thank-you for conference attendees.
Other options: board meeting lunch credit or a charity donation in your HOA's name.
No purchase required. One entry per HOA/attendee.
01. Book a 15-min coverage review call
02. Submit your current declaration pages
03. Or attend our upcoming webinar
Complete any one of the above and you're entered automatically.

The Risk
Carrier Exits
Major carriers are pulling out of HOA markets. Your renewal options may be shrinking faster than you realize.

The Cost
Rising Deductibles
Wind and water deductibles have doubled in many markets, leaving HOAs exposed to six-figure gaps.

The Barrier
Underwriter Scrutiny
Underwriters now demand maintenance records, reserve studies, and claims histories before quoting.
High-value resources designed to help your HOA — no strings attached.
Boards & PMs are anxious about rising premiums. Get the inside scoop.
Why premiums are rising in 2026
Carrier exits vs. carriers staying
Underwriter scrutiny trends
Avoiding non-renewal surprises
Happy to walk your board through this at
no cost.
Top 10 HOA Insurance Mistakes Boards Make
What HOAs Are Responsible For vs Homeowners
Claims That Cause Premium Spikes
Success Story
A 240-unit condominium association came to us after their carrier non-renewed mid-term. Their existing agent had left $42,000 in coverage gaps — exposed wind deductibles, outdated ordinance & law limits, and a fidelity bond that hadn't been updated in 6 years.
Within 30 days, we placed a comprehensive master policy with a top-rated carrier, closed every gap, and reduced their total premium by 18%. The board presented the one-page risk snapshot at their next meeting to a standing ovation.
"This is exactly what fiduciary responsibility looks like."
— Board President
Before
Exposed Wind Deductible — $180k gap
Outdated Ordinance & Law limits
Fidelity bond 6 years stale
After
Comprehensive Master Policy
18% Premium Savings
Board-ready risk snapshot
What They Say
Choose a time that works. You'll get a confirmation and reminders.
Calendar link reduces friction — book in seconds.
Here are the answers to the questions we get asked the most.
Absolutely not. The coverage review is purely consultative. You receive a one-page risk snapshot — what you do with it is entirely up to your board.
We need about 15 minutes on a call to walk through your current policy. The analysis and snapshot are delivered within 48 hours.
Ideally, your current declaration pages and any recent loss runs. If you don't have them handy, we can request them from your carrier on your behalf.
There is no catch. We earn our business by demonstrating value first. If the review shows your coverage is solid, we'll tell you exactly that.
Yes. We regularly join board meetings (in-person or virtual) to walk through the risk snapshot and answer questions. No charge.
Mayra Menjivar — California Insurance License #: 0J19977
Call : +1 818-309-7511
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