Condo Associations · HOAs · COAs · Townhome Communities

Condo association insurance — quoted back in under 1 hour.

Email us a copy of your association’s current policy and we’ll get a quote back to you in less than 1 hour. One licensed broker shops your master policy across 20+ A-rated carriers.

20+A-rated carriers
< 1 hrQuote turnaround
6States licensed
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Board member or property manager? Either can send it — the same broker replies.

Straight talk
  • One broker, one call, one text. No call center, no 20 agents blowing up your phone.
  • Your info stays with us. We’re the broker who actually quotes and binds your association’s policy.
  • If your price is already fair, we’ll tell you — even if it costs us the sale.
Free quote · about 20 seconds
Prefer a call? Leave your number
Three quick questions. A licensed broker calls or texts you within the hour — or email your policy for the fastest quote.
🔒 We never spam you
One call and one text from us — never 100 calls or texts. We are the broker, and we actually market and bind your policy. That's it.
Save time

Email us your current policy — quote back in under 1 hour

Send a copy of your association’s current policy (the declarations page is perfect) to pjohal@johalinsurancebrokers.com and we’ll get a quote back to you in less than 1 hour.

In your email, please include:

  • Any losses in the last 5 years — or just say “no losses.”
  • Loss runs, if you have them — greatly appreciated. Your current insurer or agent can email them to you; they speed up the quote more than anything else.
  • Your renewal date and the best phone number to reach you.

How it works

Your policy in, a quote back in under an hour

Three steps. One real broker. No call center, no runaround.

1Email your current policy

Dec page, any losses in the last 5 years, and loss runs if you have them.

2We shop 20+ A-rated carriers

Matching your building limit, deductibles, liability and D&O — apples to apples.

3Quote back in under 1 hour

Bring it to your board. If your current price is fair, we’ll tell you.

The broker advantage

Why a broker beats a single carrier

Every name below sells you one policy — take it or leave it. We work for you, not a carrier, so we put all of them plus more A-rated companies in competition for your property and make them fight over your price. Competition is how premiums come down.

They sell one policybiBERKHiscoxGEICOTravelersThe HartfordLiberty MutualChubbNationwideProgressiveState FarmAmTrustGuardWe shop them all + more They sell one policybiBERKHiscoxGEICOTravelersThe HartfordLiberty MutualChubbNationwideProgressiveState FarmAmTrustGuardWe shop them all + more
Cost & pricing

Why your association’s premium went up — and what we can change

Master-policy renewals jumped across CA, TX, IL, MO, WI and LA this year, and many small associations got renewed by their carrier without anyone shopping it. These are the levers underwriters actually price on:

  • Building limit — set at true replacement cost. Too high wastes premium; too low risks a coinsurance penalty and a special assessment after a loss.
  • Wind/hail deductible — moving between a 2% and 5% deductible can swing the premium hundreds a year; we price both.
  • Roof age — many carriers surcharge or decline roofs over 15–20 years. We know which ones still write original roofs.
  • Loss history — five clean years earns preferred pricing. That’s why loss runs speed everything up.
  • Coverage gaps or lapses — a short lapse doesn’t have to sink you; a no-known-loss letter often solves it.
  • Construction & protection — frame vs. masonry, sprinklers and hydrant distance all move the rate.
  • Liability & D&O — board members need directors & officers coverage; we match or improve your limits.

A complete condo association master policy covers the building and common areas, general liability, directors & officers for the board, fidelity/crime for association funds, and equipment breakdown — with the deductibles your bylaws require.

Small and mid-size associations are often stuck with whatever their carrier renews them at. We put your master policy in front of 20+ A-rated carriers and send you the numbers in under an hour.

Email Your Policy for a Quote
Complete coverage

One master policy. Four protections.

A complete condo association program bundles these core coverages — shopped across 20+ A-rated carriers, not one.

Building & Common Areas

Replacement cost on the structure, roof, hallways and shared spaces.

General Liability

Slip-and-falls and injuries in common areas, plus legal defense.

Directors & Officers

Protects volunteer board members from claims over board decisions.

Fidelity / Crime

Covers association funds against theft or embezzlement.

Who we insure

Master policies for associations of every size

Condo associations (COAs), homeowners associations (HOAs), townhome communities and mixed-use condo buildings across California, Texas, Illinois, Missouri, Wisconsin and Louisiana — from a 4-unit building to a full complex. Board members and property managers get one master policy shopped across 20+ carriers. Insuring just your own unit? That’s a personal condo (HO-6) policy, which we don’t write here.

Our promise

We answer when you call — and we fight at renewal

We pick up when you call. We fight for your price at renewal, not just year one. And we tell you the truth even when it costs us the sale. If your current price is fair, we’ll say so. If you’re overpaying, we’ll show you by how much.

Send us your current policy — get a quote back in under 1 hour.

Email it to pjohal@johalinsurancebrokers.com. Include any losses in the last 5 years and loss runs if you have them.

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