HOA Insurance Solutions That Protect What Matters Most

Clear View HOA Financial provides annual insurance solutions for HOAs that help associations maintain proper coverage and avoid costly gaps. In partnership with a national insurance broker specializing in community associations, we’ll review your policies to ensure that they align with current needs, replacement costs, and regulatory requirements.

Our role is not to sell insurance—we serve as an extra layer of oversight to help your board make informed, confident decisions. With construction costs rising and market conditions constantly shifting, an annual review can help prevent surprises and protect the financial health of your community.

Safeguard Your Community with Annual Policy Reviews

Our annual insurance review typically begins 4–5 months prior to renewal and focuses on:

  • Coverage Limits. We check for outdated or insufficient coverage, especially for property replacement costs that may not reflect current market rates.
  • Premium Changes. We identify unexpected rate increases and ensure that your board is aware of potential cost drivers before renewal.
  • Policy Alignment. We provide education to ensure that Directors & Officers (D&O), general liability, and property coverage are in line with governing documents and legal obligations.

This is not a bidding process—we work with our preferred insurance partners to identify the best option for protecting your community and reducing your financial risk.

Supporting Financial Oversight and Risk Management

Our financial expertise supports your insurance decisions by ensuring that your records are clear, current, and compliant. Transparent financial reporting helps validate coverage needs, while our internal control recommendations—such as proper separation of duties and approval workflows—can also help prevent fraud and reduce exposure.

We assist your board in understanding key policy components and encourage ongoing risk awareness, all while connecting you with trusted experts when deeper insurance analysis or rebidding is needed.