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.

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.

      
   ONE Insurance Agency
   11 Google reviews 
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   Troy Ball 
 
 
 
 Trustindex verifies that the original source of the review is Google. 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!!
  
 
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   Tony Hallen 
 
 
 
 Trustindex verifies that the original source of the review is Google. I have worked with Elaine and One Insurance since 2024 and have been extremely impressed with the amount of savings and knowledge garnered. The customer service and prompt return of emails and phone calls has been impressive, Elaine and her team have my endorsement and happy to refer them!
  
 
      Posted on Google  
   
   Britta Dwyer 
 
 
 
 Trustindex verifies that the original source of the review is Google. Elaine was WONDERFUL to work with. When I got connected with her I was working with a few other agents to get quotes and Elaine far surpassed the other agents not only in the quoted rates & coverage she was able to get me, but in her professionalism and communication. It is sometimes hard to communicate effectively back and forth via email, which was the mode of communication I needed, and Elaine was phenomenal. I have already sent Elaine’s information to many of my friends.
  
 
      Posted on Google  
   
   TroyandMadonna Wagner 
 
 
 
 Trustindex verifies that the original source of the review is Google. Prompt, excellent work from Elaine. She made us feel like we were her only customer at that moment. She didn’t rush us and made sure to take good care of us. She also listened to our every need. We would recommend her to anyone.
  
 
      Posted on Google  
   
   Leah Parkinson 
 
 
 
 Trustindex verifies that the original source of the review is Google. Elaine was wonderful to work with. She was knowledgeable, responsive, saved me hundreds of dollars and I have WAY BETTER coverage. I couldn't be happier and I highly recommend Elaine & ONE Insurance Agency. Request a quote, you won't be sorry.
  
 
      Posted on Google  
   
   Graham Kaun 
 
 
 
 Trustindex verifies that the original source of the review is Google. Elaine did an excellent job looking at insurance options for my various vehicles and properties and explaining what was available. Highly recommend!
  
 
      Posted on Google  
   
   Jordan Lopes 
 
 
 
 Trustindex verifies that the original source of the review is Google. Truly #1 Insurance Agency that is fast, reliable and always willing to go above and beyond!  Hands down the best I've worked with!
  
 
      Posted on Google  
   
   tiffany kellar 
 
 
 
 Trustindex verifies that the original source of the review is Google. Great experience and great communication. Thank you so much for what you do. Great insurance!!!!
  
 
      Posted on Google  
   
   Becky Schultz 
 
 
 
 Trustindex verifies that the original source of the review is Google. Elaine has been so wonderful to work with!!  Always very prompt in responding to my phone calls and emails, and I have worked with other agents that would never even get back to me.  Now I have all of my insurance needs in ONE Agency!!  Love it!!
  
 
      Posted on Google  
   
   Kimberly Davis 
 
 
 
 Trustindex verifies that the original source of the review is Google. One Insurance Agency worked hard to get me the best rate! Not only am I saving money but I have the appropriate coverage now

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.