RenewFlo Blog
Plain-language guides to condo and HOA insurance renewals for boards, trustees and property managers.
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For Boards & Trustees
Why Condo and HOA Insurance Got So Expensive, and Why Your 2026 Renewal May Not Reflect a Softer Market
The real drivers behind rising condo association and HOA master policy premiums nationwide, why the 2026 market is softening, and why some associations still see increases.
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Requirements & Regulations
What Condo and HOA Boards Are Actually Responsible for When It Comes to Insurance
How state condominium and common interest community laws, governing documents and fiduciary duty shape what boards and trustees must do about association insurance.
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For Property Managers
Why Insurance Renewals Overwhelm Property Managers, and What a Workable System Looks Like
Community association managers juggle dozens of policies across their portfolios without being insurance specialists. Here's why renewals pile up and how management companies can handle them.
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For Property Managers
How Better Building Data Gets Your Association in Front of More Insurance Carriers
What underwriters need to see about a condo or HOA building, how a complete statement of values changes the quotes you get, and how to keep building data ready for every renewal.
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For Boards & Trustees
Condo Master Policy Deductibles: What Boards and Unit Owners Need to Know
How condo and HOA master policy deductibles work, who pays them, how lender limits apply, and how boards should weigh a higher deductible against a lower premium.
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For Boards & Trustees
16 Questions Your Board Should Ask Before Approving an Insurance Renewal
The questions condo and HOA boards should ask their broker and manager before voting on a master policy renewal, grouped by coverage, value, deductibles, marketing and compliance.
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For Property Managers
The Condo and HOA Insurance Renewal Timeline: A 120-Day Plan for Boards and Property Managers
A practical, week-by-week renewal timeline for condo associations and HOAs: what to gather, when to market, when the board should vote, and what to do after binding.
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Requirements & Regulations
The 2026 Fannie Mae and Freddie Mac Condo Changes: What They Mean for Your Insurance Renewal
What Lender Letter LL-2026-03 changed for condo master policies, deductibles, roofs and reserves, and what boards and property managers should check before their next renewal.