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 will walk you through what is required, what is 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
Simple Steps to Get Covered
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.
Related Coverage
Communities We Serve
Independent agency serving Minnesota communities, with one local team for the whole family.
Troy BallMay 2026
I contacted and got my quote through Email. No spam calls and waiting on the phone with quotes that are never the final result. Lower rates than going through insurance companies such as progressive direct. Highly recommend! Best broker I’ve ever gone through!!
Common Questions About HOA Insurance
A master policy covers common areas like the clubhouse, pool, shared roofs, and walkways, plus the HOA's general liability. It usually does not cover the inside of individual units, which is where an HO-6 policy for owners comes in. We help your board see the line between the two.
Minnesota law requires HOAs to carry certain coverages, and many governing documents add more. We review your declarations and current policy so you meet the legal floor and the extra rules your community has adopted.
Cost depends on the size of the community, the value of the common property, the claims history, and the limits you carry. We compare carriers that specialize in community association policies so your renewal makes sense for your reserve study.
D&O stands for Directors and Officers, and it protects board members from personal liability over decisions they make on behalf of the HOA. Most Minnesota HOAs carry it, and many lenders and management companies require it before they work with your board.
No, quotes are free and the agency never charges quote fees. We get paid by the carrier, so the comparison and the board guidance are part of the service.
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.
What happens next
- We reply usually the same day, always within 24 hours
- We shop 35+ carriers to compare your options
- No quote fees and no obligation to buy
- 763-888-8837763-294-8805 (Text Us)
- [email protected]
- 3001 White Bear Ave, Floor 2 (Maplewood Mall), St Paul, MN 55109
- Monday to Friday, 9:00 AM to 6:00 PM
