Homeowners associations across Colorado are facing major challenges as insurance premiums continue to rise. Wildfire risks, hailstorms, inflation, and limited carrier options are driving costs higher every year. At Castle Rock Insurance, we help HOAs manage these changes by offering custom insurance solutions from a wide range of carriers. As independent brokers, we compare multiple policy options to help your community get the right protection at the most competitive price.
What Does HOA Insurance Cover?
The right HOA policy depends on the type of community, the property layout, and the association’s governing documents. Coverage typically includes:
- Master Property Policy – Covers shared structures, roofing, garages, amenities, fences, and walkways.
- General Liability – Helps protect the HOA if someone is injured or property is damaged in a common area.
- Directors & Officers (D&O) Liability – Provides legal defense and coverage if board members are sued for decisions made on behalf of the HOA.
- Crime and Fidelity Insurance – Covers theft or fraud involving HOA funds or financial misconduct.
- Umbrella Liability – Adds extra liability coverage above the limits of your base policy.
- Workers’ Compensation – Required if the HOA has employees or directly hires labor for maintenance or repairs.
Why Work with Castle Rock Insurance?
Castle Rock Insurance is a Colorado-based insurance brokerage with experience serving HOAs across the state. As independent brokers, we have the ability to compare rates and coverage options from multiple carriers to find the best fit for your community.
- Local Knowledge: We understand how wildfire zones, hailstorms, and high insurance demand are impacting Colorado HOAs.
- Custom Coverage: We build policies based on the exact structure and needs of your community.
- Quote Comparison: We shop rates from multiple top-rated carriers to find savings and better terms.
- Ongoing Support: We assist with renewals, audits, and claims so your board is not left navigating it alone.
We Insure a Wide Range of Colorado HOA Communities
Our team works with all types of homeowners associations throughout Colorado, including:
- Townhome and condominium complexes
- Single-family developments and master-planned communities
- Mixed-use residential and retail communities
- New developments and build-to-rent neighborhoods
- Self-managed and professionally managed HOAs
Castle Rock Insurance partners directly with HOA boards, property managers, and community developers to find cost-effective coverage that meets real-world needs. As an independent broker, we work with multiple carriers and experienced underwriters who understand HOA risks in Colorado. Contact us today to start a quote on your HOA policy.
