HOA Insurance
HOA & Condo Insurance
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HOA Certificates request
(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.

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