100 East Victory Way Craig, CO 81625

(800) 390-0559
askme@mtnwst.com
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HOA & Condo Insurance


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(Insurance coverage can not be bound or modified without written confirmation from Mountain West Insurance & Financial Services, LLC.)

Why choose Mountain West.

  • 10 team members dedicated to HOAs and property managers.  We have extensive knowledge of your business and requirements under “CCIOA and DORA” regulations.  We handle over 900 associations in Western Colorado.
  • Currently, we represent 5 to 7 insurance carriers that actively write the property and general liability for HOAs depending on the risk characteristics.  These include Allianz- who we have a proprietary program with and then Community Association Underwriters, who specialize in writing HOAs. As well as Cincinnati
  • We have multiple markets for ancillary coverages such as:
      • Fidelity, D&O, Umbrella, DIC, and “If-Any” work comp.
      • Proprietary program with a carrier that is specific to Mountain West’s Homeowner Association accounts and not subject to the carrier’s countrywide performance (i.e. catastrophe losses.)

Services we provide our HOA clients

  • Association documents reviews
    • Written explanation of declaration analysis to provide unit owners and property managers a basis for who insures the units and the association's common elements.  We provide certificates of insurance mailed to the management companies and mortgage companies.
  • Annual Client review and renewal planning.
    • We review coverages every year and make recommendations to make sure the unit owners, board, HOA, and property manager are covered adequately and properly
    • We review that we still have the association with the most appropriate carrier and programs
    • We target 30 days prior to renewal to have everything finalized for following year
  • Professionally and Timely claims service. 
    • Claims are handled by a local adjuster, who understands associations.
    • One of our team members remains involved in the claim until resolved.
  • Risk Analysis/contract reviews
    • Whether it is for an HOA construction projects, contractors/sub contractors and vendor contracts review (i.e. elevator company).
  • Quality Loss control representatives to identify potential hazards/claims and promote profitability for the association, which helps keep insurance cost down.
  • Employee training/education in regards to insurance/risk management.
  • Attend Board meetings to answer questions in regards to the insurance program.
  • Provide policy audit of your current insurance program and will make suggestions if necessary based on gaps or deficiencies in coverage.
<strong>Our HOA Insurance Team will be able to help you find the right policy for your needs.</strong>

Our HOA Insurance Team will be able to help you find the right policy for your needs.