HOA Insurance
Protect your community with HOA insurance built for shared spaces, common property, and peace of mind. We make coverage simple, affordable, and HOA-compliant.
Why You Need HOA Insurance That Covers the Gaps
Homeowners associations have unique responsibilities — and unique risks. From shared property damage to legal liability, one uncovered event can lead to financial trouble for the whole community.
At ONE Insurance Agency, we specialize in helping HOAs across Saint Paul and Minneapolis get the right coverage. We’ll walk you through what’s required, what’s smart, and how to avoid costly gaps between your policy and your residents’ coverage.
What Our HOA Insurance Covers
We provide policies designed to protect the HOA board and community property, while keeping your residents and reserves secure.
Common Area Property Coverage
Protects shared buildings, fences, roofs, landscaping, and other structures owned by the HOA.
General Liability Insurance
Covers injuries or property damage that occur in shared areas like clubhouses, pools, or walkways.
Directors & Officers (D&O) Insurance
Protects board members from personal liability related to their decisions or management of the association.
Building Ordinance or Law Coverage
Covers the added costs of bringing damaged buildings up to current codes during repairs or rebuilds.
Crime & Fidelity Coverage
Protects against theft or fraud involving HOA funds or dishonest acts by employees or board members.
Equipment Breakdown Coverage
Covers the repair or replacement of essential mechanical systems like HVAC, boilers, and elevators.
What Makes Us Different
We don’t just check boxes — we help you understand exactly what your HOA needs to stay protected and compliant. With local experience and clear guidance, we simplify the complex.
- Local expertise in Minnesota HOA policies
- Easy, transparent guidance from a licensed expert
- No hidden fees, no pushy sales — just honest support
- Fast turnaround on quotes and policy updates
How It Works
Tell Us About Your HOA
We’ll gather key details about your community, current policy, and any known coverage gaps.
We Customize Your Coverage
We review your risk areas and provide smart, affordable options that fit your HOA’s size and needs.
Review and Finalize
We’ll walk you through each section of the policy, answer all your questions, and finalize it together.
You're Covered and Supported
We’ll be here year-round to help with updates, renewals, and claims — whenever you need us.
Protect Your Community the Right Way
Let us help your HOA stay covered, compliant, and confident. Request a free quote today and get personalized support from a local insurance expert.
