HOA & Condo Association Insurance
Specialized insurance solutions for condominium associations, HOAs, and community associations.
One of the Only Agencies in Washington State with Exclusive HOA Carrier Access
Moreland's underwriting relationships unlock specialty programs most brokers simply can't offer — better pricing, broader coverage, built for associations.
Save
Lower Premiums
Many associations reduce costs after a competitive market review with our specialty carriers.
Better
Stronger Coverage
Specialty carriers built for associations and no generic policies.
Fast
Quick Turnaround
Quotes and renewals on your timeline. No delays, no runaround.
Who We Help
Insurance tailored to your community
Condo Associations
Master property, liability, D&O, crime, equipment breakdown and more.
HOAs & Townhome Communities
Coverage tailored to shared property and association exposures.
Developing Communities
Insurance solutions that evolve as buildings and units are completed.
Property Managers & Boards
Coverage reviews and guidance without insurance jargon.
Why This Coverage Is Different
Why Association Insurance Requires a Specialist
HOA and condo insurance is different from standard business insurance. A small wording issue in the governing documents, an underinsured building limit, or a missing coverage can create major problems for the board, lenders, and unit owners.
Easy-to-Read Comparisons
Plain-English coverage breakdowns boards can actually understand.
Exclusive Carrier Access
Access to programs specifically designed for condos & HOAs. Moreland is your gateway to the best-in-class carriers who partner only with specialty brokers.
Board & Manager Education
We present to boards and help PMs explain coverage with confidence.
Fannie/Freddie Compliance
Master policy meets lending requirements so there are no surprises at closing.
Common issues we help associations resolve:
- Determining all-in, walls-in, or walls-out property coverage
- Reviewing master policy deductibles and unit-owner responsibilities
- Evaluating replacement cost limits and building valuations
- Addressing Fannie Mae / Freddie Mac lender requirements
- Comparing admitted and non-admitted carrier options
- Reviewing D&O, crime, umbrella, and equipment breakdown coverage
- Helping boards understand required vs. recommended coverage
- Certificate and lender documentation requirements
Communities We Serve
Built for Washington Community Associations
Moreland Insurance works with condo associations, HOAs, property managers, and board members throughout the Puget Sound and beyond, including Seattle, Tacoma, Bellevue, Olympia, Everett, Spokane, and Vancouver.
Common Questions
HOA & Condo Insurance FAQs
Not sure if your association is properly insured?
Request a coverage review or quote. We'll review your current program, identify gaps, and compare available options — at no cost.
Meet Your Community Association Specialist
Jordy Varga
Community Association Insurance Specialist
Jordy specializes in insurance for condominium associations, HOAs, townhome communities, apartment properties and developing communities. She works with boards, property managers, developers and real estate professionals to identify coverage gaps and navigate the unique insurance requirements affecting community associations.