HOA Insurance Program
HOA insurance program for Central Texas communities
Ten coverages, a real risk assessment, and a claims advocate when something goes wrong.
A storm takes half the clubhouse roof. What happens next?
Hours matter after a loss. Here's a general checklist for the first 48 hours. Every policy is different, so follow your policy and your agent's instructions first.
Make it safe
Call emergency services if anyone is hurt. Keep residents away from damaged areas.
Document it
Take photos and video, note dates and times, and keep damaged items until the adjuster has seen them.
Report it
Tell your community manager and contact your association's insurance agent promptly. Policies set reporting deadlines.
Limit further damage
Take reasonable temporary steps, like a tarp, and keep every receipt.
A claims advocate can then guide your board through the rest of the claims process and help manage the details.
Ten coverages, built around your community.
No two communities carry the same risk. The program starts with an assessment of your homes, recreational spaces and workplaces, then matches coverage to what it finds.
Property
Association-owned property such as clubhouses and pools, protected against fire, lightning, windstorm and equipment breakdown.
General Liability
Injury and property-damage protection for accidents like slips, falls and pool-area hazards.
Directors & Officers
Coverage that stands behind the decisions your volunteer board makes.
Cyber Liability
Protection for the homeowner data, portals and payments that live online.
Workers' Compensation
Coverage for the people who work on your community and grounds.
Crime
Safeguards association funds against theft and fraud.
Hired & Non-Owned Auto
Liability for vehicles used on association business, even when the association doesn't own them.
Special Events
Movie nights, festivals and pool parties, covered.
Volunteer Accident
Protection for the neighbors who give their time on committees and workdays.
Active Shooter
Coverage for a scenario nobody wants to plan for, so your board doesn't have to improvise.
Pools. Clubhouses. Rooftops.
Know what's covered before you need it.
More than a policy on a shelf.
Our insurance collaborators work with community associations on risk management, and we coordinate with your association's licensed insurance agent.
- Onsite risk-control inspections. Safety hazards get flagged before they become claims.
- Insurance contract evaluations. Someone reads the fine print before your board signs.
- Claims advocacy. Expert help through the claims process and its details.
- Ongoing education. Industry updates and informative sessions for your board.
Coverage terms, limits and pricing come from your association's licensed agent and carriers. Condo owners with master-policy questions can start on our condo management page.
Questions boards ask us.
What does a claims advocate do?
They guide your board through the claims process and help manage the details involved, so your volunteers aren't learning it for the first time under stress.
Do we have to replace our insurance agent?
No. We coordinate with your association's licensed insurance agent. A coverage review is a second set of eyes on what you already carry.
Does this cover condominium associations?
The program is designed for HOA and condominium associations. Master-policy questions are covered on our condo management page.
What does the program cost?
It depends on your community's risks and coverage choices. Request a proposal and we'll start with a conversation.
Get a second set of eyes on your policy.
Tell us about your community and we'll start a coverage review. It begins with a phone call.
Request a Coverage Review Call (512) 251-6122PS Property Management · (512) 251-6122 · Round Rock & South Austin