Insurance
Start with association coverage, unit-owner coverage or the rules that apply in Washington.
National Risk and Market Context
Association and Unit-Owner Coverage
Deductible Responsibility: RCW 64.90.480(6)-(8) (Washington)
Your association's insurance varies based on your declaration of covenants, conditions and restrictions (CC&Rs) and your state statutes. Washington and many other states require specific scope for property insurance that serves as primary in the event of a loss and for other types of insurance such as director and officer's (D&O) coverage. Notably, regardless of your state, individual units / homes are often responsible for paying in-unit claim deductibles.
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Association Coverage
Read the policy scope, governing-document requirements and deductible examples.
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Unit-Owner Coverage
Compare the coverage categories in the page’s HO-6 breakdown.
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Washington Guidance
Find state references, volunteer coverage and dated rate examples.
An association's violation of its own governing documents to procure specific insurance coverage does not bind an insurance company to cover losses outside of the policy actually purchased / in force.
Your Guide to HO-6 Insurance
Condominium Insurance: One System with Multiple Policies
As a condo owner, your property is protected by two distinct insurance policies that work together:
1. Association Master Policies
Paid for by owner assessments, the master policy covers the infrastructure and common elements (roof, hallways, etc.). Washington law requires that the association's master policy is primary, but allows associations to assess owners up to the policy deductible which can vary between $5,000 to $250,000. Associations are legally responsible to ensure that both the common elements and units are restored following a loss.
Master Policy Coverage:
- Property Coverage: For the common elements.
- General Liability: For accidents and injuries within or from common elements.
- Directors & Officers (D&O): Protects board members and management from torts for acts and omissions.
- Crime/Fidelity: For theft of association funds.
- Ordinance or Law: Covers costs of rebuilding to new codes.
- Umbrella: Extra liability coverage.
- Cyber Liability: For data breaches and online security incidents.
2. HO-6 "Walls In" Condominium Unit Policy
HO-6 is your individual unit policy that's designed to cover what the master policy does not, including your dwelling (Coverage A) up to the master policy deductible, your personal belongings, and personal liability.
HO-6 Coverage Types
Your interior, belongings, living expenses and liability: compare the protection and common gaps.
Review the HO-6 coverage descriptions and related examples.
Example Washington Insurance Coverage Explainer
Want to know more? View our Insurance Explainer and What is an HO-6 Condo Insurance Policy? A Complete Guide
Dwelling (A)
Your interior walls and permanent improvements.
Covers your unit's interior structures. The amount you need depends on your association's master policy.
Washington law (RCW 64.90.470) requires the master policy to cover units, including improvements, unless the declaration states otherwise. For this reason, your dwelling coverage need not exceed the master policy deductible plus the cost of betterments and improvements (if excluded from policy coverage by your declaration).
RCW 64.90 (WUCIOA) will apply to all associations in WA as of 01/01/28.
HO-6 "Walls-In" Coverage
- Who pays?
- See deductible responsibility reminders
- What it covers
- Covers permanent improvements within the unit boundaries generally delineated by outside wall studs, the sub-floor and the ceiling
- Common gap / deductible
- Review declaration and master policy
Example
A damaged interior wall.
Personal Property (C)
Your belongings and the cost to replace them.
Covers belongings not attached to the unit (furniture, electronics, etc.). Aim for Replacement Cost coverage, which pays to buy new items, not their depreciated value. Standard coverage for certain items can be limited; see the Riders section for more.
HO-6 "Walls-In" Coverage
- Who pays?
- See deductible responsibility reminders
- What it covers
- Covers items that are not permanently attached to your Unit ceiling, floor and/or walls
- Common gap / deductible
- Certain types of personal property (e.g. fine art, jewelry, etc.) require a rider
Example
Furniture damaged in a fire.
Loss of Use (D)
Living expenses when a covered loss displaces you.
Helps pay for additional living expenses if a covered event makes your condo uninhabitable.
Important: Major repairs can take many months, or even years. Ensure your policy can cover long-term displacement.
HO-6 "Walls-In" Coverage
- Who pays?
- See deductible responsibility reminders
- What it covers
- Covers expenses such as hotel rooms and moving costs during a period of time when your Unit is uninhabitable
- Common gap / deductible
- Review declaration and master policy
Example
A hotel stay after a covered loss.
Personal Liability
Injuries or accidental damage to someone else’s property.
Protects you financially if someone is injured in your unit or if you accidentally damage another person's property. It can cover medical bills and legal fees.
HO-6 "Walls-In" Coverage
- Who pays?
- See deductible responsibility reminders
- What it covers
- Covers losses incurred by others resulting from your Unit
- Common gap / deductible
- Review declaration and master policy
Example
Accidental damage to another unit.
Loss Assessment
Your share of a covered association loss.
Loss assessment coverage protects you if your association issues a special assessment to all owners to cover a loss that exceeds or is excluded by the association's master policy.
Critical: Loss assessment coverage is not a substitute for Dwelling coverage.
HO-6 "Walls-In" Coverage
- Who pays?
- See deductible responsibility reminders
- What it covers
- Covers amounts specially assessed to individual Units based on a loss covered by a property's master insurance policy.
- Common gap / deductible
- Search loss assessment coverage to understand more. This coverage DOES NOT pay for dwelling and other aforementioned coverage types.
Example
A covered loss shared by owners.
Drain / Sewer / Water Backup
Backup water usually needs a separate rider.
HO-6 "Walls-In" Coverage
- Who pays?
- See deductible responsibility reminders
- Common gap
- Damage resulting from drain / sewer / water backups is almost always excluded from standard dwelling coverage
- Coverage option
- Owners can add a specific rider for these types of losses
Example
Water backing up through a drain.
Earth Movement & Earthquake
Earthquake protection has its own premium and deductible.
HO-6 "Walls-In" Coverage
- Who pays?
- See deductible responsibility reminders
- Coverage option
- This is always an additional type of coverage rider that can add significant additional expense
- Deductible
- If major earth movement and/or earthquake damage occurs, units/homes are typically assessed a portion of of the association's primary EM and/or EQ deductible which is often a percentage of the building value (e.g. 2%, etc.)
Example
Damage after an earthquake.
Loss Assessment Covers This:
- A fire causes damage exceeding the master policy limit. The shortfall is charged to owners as a common expense. Your loss assessment coverage helps pay your share.
There's No Coverage for This:
- The roof is old and needs replacement due to wear and tear. An assessment for this planned maintenance is not a covered loss and would not be paid by your policy.
Loss Assessment: Two Examples
- ONE: The common roof is in disrepair. The cost to repair it is beyond the available reserve funds. The association issues a special assessment to pay for the repairs. There is no insurance for "we failed to contribute adequately to our reserve fund" except selling your property before the assessment.
- TWO: The common roof gets blown off (this is called a loss). Your association's insurance pays for part, but not all of the roof repair and replacement. The association issues a special assessment. Your H06 policy loss assessment coverage pays up to your loss assessment limit.
Common Insurance Endorsements and Riders
Backup water, mold, earthquakes and valuables: check the exclusions that need extra protection.
Homeowners almost always need to purchase riders for the following:
- Drain, Sewer, & Water Backup - Damage from backed-up water is almost always excluded and requires a specific rider.
Example
A drain backs up into your unit.
- Mold & Fungus (Bacterial Growth) - Standard policies often exclude or limit coverage for mold, especially if it results from long-term leaks or poor maintenance. An endorsement can cover remediation and repair costs.
Example
Mold repairs after a leak.
- Earth Movement & Earthquake - This is a standard exclusion and must be added separately, often at a significant cost.
Example
Earthquake damage to your home.
- Valuables, Fine Art, & Electronics - Standard policies have low coverage limits for items like jewelry, art, and portable electronics. A rider can provide full replacement value.
Example
A valuable piece of jewelry.
- Equipment Breakdown - Protects appliances and personal electronics (cameras, computers, phones, TVs, etc.) from accidental damage and loss.
Example
Accidental damage to a computer.
- Personal Injury (Libel & Slander) - Protects against lawsuits for defamation (written or spoken), which are not covered by standard liability. In the age of social media, parents can be held liable for their children's online actions.
Example
A defamation claim over an online post.
How Insurer Terminology Can Differ
How Insurer Terminology Can Differ
Safeco HO-6 Policies
Terminology and coverage differ between insurers. For example, Safeco HO-6 policies cover you differently depending on when your initial policy was issued.
Policies Issued Before 01/18/25
- Dwelling coverage is automatically set at 10% of Coverage C (Personal Property).
- The Optimum Package Endorsement increases Dwelling coverage to 100% of Coverage C.
- These "legacy" policies do not have Coverage L and use prior naming conventions.
New Policies Issued After 01/18/25
(Does not apply to renewals of older policies)
- Policies should include Coverage L for "Condo Building Items."
- Even if Coverage L is absent, a base of 10% of Coverage C still applies for Dwelling coverage by default.
This guide is for informational purposes only and incorporates context from Washington State law. Always consult your association's governing documents and your insurance agent to understand the specifics of your policy.
Association Coverage
Association Coverage, Deductibles and Case Law
Master Policy Coverage: Evidence / Declarations | HUB Brokerage Insurance Overview
What Insurance Coverage Does My Association Carry?
The Damage / Loss Flow Chart below is one example applicable condominium communities. Your governing documents may have different requirements.
Multi-family Property Insurance Reminders
1) unit owners/homeowners are almost always responsible for in-unit/home losses up to the association's primary insurance deductible
IF something in Unit X causes a loss, Unit X is probably responsible for costs up to the association's primary insurance deductible
2) except for #1, responsible parties for losses within a deductible limit are generally in proportion to the areas damaged
3) governing documents typically require owners to carry insurance that covers any potential deductibles and loss assessments for ANY insurance coverage held by the Association including optional coverage such as earthquake and earth movement
4) While a Board often has discretion to file claim, the responsibility to restore a loss is governed by statute and your declaration.
- Unit owners / homeowners are generally NOT required to wait for their association to "manage" losses within their unit.
Does your association monitor and enforce owners' insurance requirements? This is a commonly overlooked risk.
Does your Declaration + Master Policy: include or exclude equipment, improvements, and betterments within units?
Does Your Association’s Insurance Match the Requirements of Your Declaration / CC&Rs?
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Metropolitan Property and Casualty Insurance Company v. West Bend Mutual Insurance Company (2023) — Indiana Court of Appeal - Pike & Va. No. 8, LLC v. Pike &Virginia Condo. Association — Washington Court of Appeal
Multi-family residential property water loss & prevention Plumbing Learn more about preventing water losses on our Plumbing Page
Learn more about preventing water losses on our Plumbing Page
Example Damage / Loss Flow Chart
Negligence and Deductible Responsibility
Negligence and Deductible Responsibility
Understand the difference between gross negligence / willful misconduct and ordinary negligence.
Statutory provisions in some states extend owners' liability beyond insurance deductible limits.
Risk and Market
Understanding the Insurance Market
Understanding the Insurance Market
The United States property insurance market has hardened significantly over the past decade.
A "hardening" market means two things: 1) insuring property is more expensive and 2) generally fewer carriers available to insure property.
Colorado: Toolkit for Homeowners and HOAs on Insurance
Four primary drivers of increased property insurance premiums:
- Catastrophic and other losses due to climate change
- Construction costs
- Excessive litigation
- Reinsurance rates
Risk Tools
![NOAA Sea Level Rise Viewer]](/assets/images/resource/Insurance/NOAASeaLevelRiseViewerRiskFactor.com.webp)
Example Seismic Probable Loss Study
Example Seismic Probable Loss Study
Learn more about Probable Maximum Loss and other terminology.
Washington Documents
Coverage explanations, declaration language and volunteer references.
Example Washington Insurance Coverage Explainer: Association Master Policy Coverage
RCW 51.12.035: Volunteers
Example Declaration Language
Interim Policy 61.06 - Workers' Compensation Insurance Coverage for Volunteers
Workers’ Compensation: Jobs and Risk Classes
Washington State: Workers’ Compensation Coverage
What type of job is the employee going to perform? [These are examples from Washington State]
If they are performing jobs that are maintaining or repairing the existing property, such as replacing windows, plumbing, flooring, or repainting, you would report them in 4905(Motels and Hotels) or 4910(Property and Building Management Services). See below.Washington State Risk Class Lookup
If they are performing jobs adding new construction or altering the interior of an existing building from an earlier condition (remodeling), or enlarging an existing structure by building and attaching rooms (new addition), you would report them in the applicable construction classification. See examples below.
Examples
- Windows: Replacing one or all windows in a building for weatherization purposes is considered general maintenance and repair, reportable in 4905 or 4910.
- Painting: Repainting the interior or exterior of a building, whether it’s part or all of the building, is considered general maintenance and repair and is reportable in 4905 or 4910.
- Flooring covering: Replacing flooring in a building, whether you are replacing the old flooring with the same type or a different type (changing from vinyl to hardwood), is considered general maintenance and repair, reportable in 4905 or 4910.
- Roofing: Re-roofing a building, whether you’re replacing a small section of the roof or the entire roof, and regardless of whether you’re replacing with the same type of material, is considered general maintenance and repair, reportable in 4905 or 4910.
- Maintenance and repair: Bringing something back to its original state or functionality. An apartment complex has a set of stairs in need of repairs. Tearing out the old stairs and replacing them with new stairs would be considered maintenance and repair. This would be reportable in risk classification 4910.
- Improvements: An apartment complex decides to install a sprinkler system (inside or outside) on the premises. The installation of the sprinkler system would be considered an improvement to the property, and this work would be reportable in the applicable construction classifications. Repairing an existing sprinkler system is considered maintenance and reportable in 4910.
- New Construction: An apartment complex owner wants to build an outbuilding on the property for their landscaping tools. They are building something that does not currently exist. This work would be reportable in the applicable construction classifications.
- Alteration: A property management company wants to add some interior walls in an apartment of one of their complexes. The walls did not exist previously and they are changing something that currently exists into something different. This work would be reportable in the applicable construction classifications.
Special Note
Construction contractors who own and manage their own rental properties must report all construction, maintenance and repair activities in the applicable construction classification for workers preparing properties for initial occupancy or to sell. When properties are ready for occupancy, any future maintenance and ordinary repairs performed by the construction contractor’s workers may be reported in 4910, if applicable.
- Preoccupancy clean-up may be reported in 6602.
- Employees who only perform clerical duties are to be reported separately in classification 4904.
- Employees who perform sales duties such as collecting rents, showing and advertising the facility, conducting auctions, or a combination of clerical and sales duties are to be reported separately in classification 6303.
Articles and Reference
Key Terms and Coverages
Key Terms & Coverages
Business insurance is a general term that includes a gamut of different coverages.
General Liability insurance covers certain types of bodily injury and other liabilities. Many General Liability policies include $5,000 of no-fault liability coverage where the insurance carrier pays up to $5,000 without the need for litigation.
Workers' Compensation insurance often excludes volunteers. Five states (North Dakota, Ohio, Washington, West Virginia, and Wyoming) run their own programs for workers' comp coverage. Washington State Department of Labor & Industries (L&I) does not offer coverage for volunteers.
Many CICs do not realize that they possess little to no insurance coverage for bodily injuries incurred by their volunteers.
READ: What Is Not Covered by a D&O Insurance Policy?
READ: Does my Association Really Need D&O Liability Insurance?
Washington State Administrative Code (WAC) clarifies statutes related to workers' compensation and risk classifications.
Condominium and HOA employees are generally included with either Classification 4904 (clerical) OR the much broader (more expensive) Classification 4910 (property management services).
- 2023 base rate and payroll deduction for Classification 4904
- 2023 base rate and payroll deduction for Classification 4910
WA State L&I also tracks hourly wage rates for specific risk classifications that may receive alternative forms of non cash-compensation.2022's average wage for class 4910 = $33.50/hour.
Notably, according to WAC 296-17-31018(4), many classifications (incl. 4910) exclude coverage for alterations and new construction.
Alterations are changes made to a building during its remodeling, such as increasing or reducing floor area, making or closing openings, erecting or demolishing walls, etc.
Insurance Articles
Insurance Articles
Recent entries from the existing archive. Dates identify the linked Info Bytes issue.
Q2 2025
- 'Grotesque': Husband-wife insurance execs earn more than $50 million in 2 years
- No injuries after tree falls on condominium building in Lincoln
- HOA: Construction begins on Caloosa Shores bridge
- Hedge Fund Fermat Sees 20% Surge in Catastrophe Bond Market
- Charleston board upholds vacate order, leaving Dockside Condominium residents in limbo
- Florida condo crisis: HOA's insurance can block owners from refinancing...
Show all 208 article entries
Q2 2025
- Here's what you need to know about how last year's hurricanes will affect insurance rates
- Clearwater Condo Building Evacuated After Support Beam Splits
- Pooled Property (Master) Insurance Causes Non Warrantable Condos > Lowered Property Values
- LA Fire Victims Are Betting on a Radical Idea to Help Them Rebuild
- Why there are a growing number of unsellable condos in Colorado
- North Miami Beach deems building safe but nightmare continues
- Mass. condos 'uninhabitable' after large fire caused by stove
- Condos built since 2007 are earthquake safe
- Property insurance increases of 400% seen at some condos, HOA properties
- Loss assessment coverage can help protect condo owners from skyrocketing assessments
Q1 2025
- A Bay Area City Pioneers Urban-Scale Insurance for Climate Disasters
- 94% of destroyed properties identified to have had severe or extreme risk of wildfire, Bird Rock condo residents woy about fire risk from rooftop HVAC units
- California Levies $1 Billion Assessment on Insurers for LA Fires, California’s insurer of last resort runs out of money to pay L.A. fire claims
- The 12th National Risk Assessment Property Prices in Peril
- LA Fires Revive Trauma for Homeowners Battling Insurance Claims
- California Wildfires, Property Damage, and Mortgage Repayment
- How to Read This Chart: California Wildfires
- How Well-Intentioned Policies Fueled L.A.’s Fires
- The ‘Costliest Fire on Record,’ Not Just for California
- LA Wildfires Push California Insurance Market to Its Limit
- Will the L.A. wildfires heat up homeowners insurance premiums in Florida?
- The $2 Trillion Housing Market Nightmare Is Getting Even Worse
- California Adds More ZIP Codes to Insurance-Cancellation Ban
- LA Fires Test Bond Market Used to Shaking Off Disasters
- Insurers’ Rule Change Puts California Homeowners on the Hook for L.A. Fire, Who Pays to Rebuild California When Insurance Falls Short? Everyone Else
- What Wildfires Mean for America’s Home-Insurance Bills, The World Is Getting Riskier. Americans Don’t Want to Pay for It.
- Los Angeles Fires Become Existential Test for California’s Stopgap Insurer
- Cat-Bond Issuance Pushes Overall Market to Almost $50 Billion
- Home insurance costs in Florida spiked in third quarter. Are more increases on the way?
- Top insurance regulator: Asphalt tiles, popular roofing material, may need to go in Florida
- Florida offered wind-safety grants to condos. They sold out in 5 days.
Q4 2024
- Colorado "insurer of last resort" created for homeowners with no other options
- California issues landmark rules to improve home insurance market
- Wind or water damage? Ian court cases show what policyholders face in challenging insurers,, How Typhoons and Karaoke Crashed Japan’s Insurance Industry
- Citizens insurance: Why half of 2023 homeowner property damage claims closed without payment, Citizens CEO says insurance market rebounds 'from brink of collapse', Insurance leaders, observers praise improvements in Florida's market. Will it help policyholders?, Florida, California Home Insurance Market Infused by Riskier Carriers, 2024 Annual Report on the Insurance Industry
- Town Halls on Homeowners Insurance, Home Hardening and Resiliency - NAIC-CIPR, Initial Estimates of Underinsurance for Homes in the Marshall Fire, ‘Upwards of 1,000% increases:’ …officials discuss extreme spikes in homeowners insurance…
- Hurricane Milton likely to be a first test of insurance reforms and spawn a recurring argument, 6 major property insurance companies outline future plans in Florida after back-to-back hurricanes, The True Cost of Losing Your Home in a Hurricane (After Insurance), Hurricane Milton’s Floodwaters Hide a Dirty Secret: Sewage
- Florida residents hit by Milton and Helene vow to rebuild, After multiple floods, Siesta Key resident says she’s “done” with island life, Storms Are Reshaping Florida’s Insurance Market. Here’s What to Know., Climate-Fueled Disasters Are Raising Insurance Rates, Catastrophe Bond Investors Brace for Major Losses as Milton Rages, The Harsh Reality of 'Hurricane Insurance', Insurers’ Helene Loss Estimates Climb as Hurricane Milton Nears Florida, Fire guts condo but association balks at paying its share to repair damages. Now what?
- Landslides Swallowed Up Houses in California. Owners Still Have to Pay.
- Extreme Rain Is a Growing Climate Threat to the Northeastern US
- Helene and other storms dumped a whopping 40 trillion gallons of rain on the South
- Residents forced to evacuate Fort Lauderdale condominium after building reportedly deemed unsafe
- As Galveston faces rapid sea level rise, developers plan new condos
- 70% of Florida Homeowners Have Seen Rise in Insurance Costs or Changes in Coverage
- Extreme Rain Is a Growing Climate Threat to the Northeastern US
Q3 2024
- Condo association insurance costs doubled since 2022, new data shows
- Disaster stalks condo insurance market: Even buildings with new roofs face triple-digit hikes
- What's Working: Colorado homeowners insurance increased nearly 60% in five years
- Greensboro families stuck paying HOA, insurance fees more than a year after home destroyed in fire
- Commissioners meet with Cape Emerald Homeowners Association to discuss stormwater problems
- Ephrata condo residents may have to spend thousands to replace pipes
- CBO’s Recent Analyses of Climate Change, Flood Damage, and Mortgages
- Water mains are breaking
- Governor issues emergency proclamation over condominium insurance rates
- Governor Green signs emergency proclamation to address the condominium insurance crisis
- Urban condo owners also see insurance costs soar
- Insurers deemed mold too risky decades ago. That coverage gap still surprises homeowners
- Florida's Biggest Insurer Says It Needs to Increase Rates by 93 Percent
- New insurer offered Citizens customers steep premium hikes. Then the state stepped in.
- Bay Area condo owners can't find affordable insurance policies: 'We're all screwed
- The Interconnection of Climate, Insurance, and Property Values
- Candidates vie for Washington insurance commissioner job
- A $1 Trillion Time Bomb Is Ticking in the Housing Market
- ‘It’s not a matter of if; it’s a matter of when’: Lawmaker calls for property insurance reform before big hurricane hits
- Citizens Tops 1.211M Policies
- Florida homeowners dropping their insurance in face of high premiums
- Grinding Debate: What Should Go Into the Garbage Disposal?
Q2 2024
- “They are drowning us”: the cost to insure a property in condominiums doubles
- Insurance Crisis Worsens in Hawai‘i’s “Condoland”
- Toolkit for Homeowners and HOAs on Insurance
- Property Insurance and Disaster Risk: New Evidence from Mortgage Escrow Data
- State board backs 13.5% average Citizens Insurance rate hikes for 2025
- California Senate creates policy group to stabilize state's property insurance market
- State Farm Seeks Enormous Rate Increases in California to Prevent Insolvency
- Is condo living becoming a thing of the past? Insurance costs, HOA fees taking a toll
- Study: Seattle area is unprepared for climate disasters
- Banks Are Finally Realizing What Climate Change Will Do to Housing
- The Financial Impact of Shifting Hurricanes Patterns in our Changing Climate
- Big Jump in Insurance Costs Strikes Condos
- Chicago area residents' homes still uninhabitable months after water main break
- Big Take: A New Housing Crisis Is Brewing In Places Prone to Climate Disasters
- A Homeowner Mutiny in Florida Is Leaving the State More Vulnerable to Hurricanes
- HOAs, Condo Associations Face Mounting Insurance Woes in Florida
- Why more and more homeowners are dropping insurance
- Washington will require insurers to reveal reasons for rate hikes
- The Possible Collapse of the U.S. Home Insurance System
- How ‘Kitty Cats’ Are Wrecking the Home Insurance Industry
- Iowans struggle to find homeowners insurance as companies pullout of the state
- ‘Outrageous’: Texans face insurance spikes amid natural disasters
- Massachusetts insurance companies canceling homeowners policies using drone, aerial photos
- Florida Hurricanes Create Expensive Property Insurance, Threaten Senior Care
- A Key US Inflation Metric Doesn’t Count Homeowners Insurance, The home insurance market is crumbling, These owners are paying the price
- Insurers Are Spying on Your Home From the Sky
- Home insurance cost hikes slowed at the end of 2023…
Q1 2024
- Reduce insurance costs by 25%? South Florida backers push bill they say would do it
- Climate change is threatening South Florida condo owners. The state should help them.
- House Speaker Saiki warns looming condo insurance crisis could snowball
- State Farm discontinuing 72,000 home policies in California in latest blow to state market
- US Home Insurance, Real Estate Markets Teeter on Financial Crisis
- 10 families displaced after 2nd-alarm fire at condominium complex in Middletown
- West Des Moines condo residents gather one year after fire displaces families
- Florida lawmakers pass Citizens Insurance changes
- Many Florida insurance bills approved by Legislature aim to save homeowners money
- Moved from Citizens to private insurance, some see rise in premiums
- Colorado Residents Grapple with Soaring HOA Dues Amid Insurance Crisis
- HOA insurance premiums skyrocket across Colorado, driving up condo dues
- Homeowners struggle amid California insurance crisis
- Condo Owners Reciprocal Exchange will assume up to 400 Citizens condo association policies
- Flood Damage and Federally Backed Mortgages in a Changing Climate
- Kansas City downtown condo high rise failed KCFD fire inspection, ‘I live in filth every day’: …waiting months for Hurricane Ian repairs, blames HOA
- Florida lawmaker promises new bill would drop insurance rates like a rock, Coastal homeowners could see up to 99.4% insurance rate increase
- The housing market is being hit by home insurance shocks; maps of the most vulnerable areas, Buying Home and Auto Insurance Is Becoming Impossible
- Condo reserve rules and rising insurance costs could lead to foreclosure crisis. 'People are going to be losing their homes'
- How Florida lets insurance companies like Slide “cherry-pick” policies
Q4 2023
- There's a Billion-Dollar Industry Between You and FEMA’s Flood Insurance
- The Man at the Center of America’s Biggest Insurance Crisis
- Climate Abandonment Areas Webinar Recording
- Climate Abandonment Areas Slide Deck
- Colorado homeowners left with more questions than answers: skyrocketing HOA insurance
- Fire-related insurance challenges to blame for high HOA fees in Colorado, says insurance division
- Miami-Dade, Monroe homeowner's insurance changes proposed
- Daytona Beach Shores condo owners: 563% insurance increase 'theft'
- The hidden expense that's sucking $74 billion out of the economy
- The Coastal State Where Home Insurance Is Relatively Affordable, California's fire insurance crisis might be at a peak, The Hypocrisy at the Heart of the Insurance Industry, In push to remove homeowners from Citizens, state-run insurer uses unlicensed inspectors, Seattle Condo Association Seeks $2.8M For Damage, Insurer Won't Cover $11M Water Damage, Insurance companies lowballed or denied roof damage claims from hail in Illinois and Indiana
- Insurance companies have discovered devious new ways to rip you off
- Citizens Insurance customer says depopulation notice contained 430% rate increase
- Four more home insurance brands leave California
- Ravaged Florida Town Becomes a Magnet for Risk-Taking Homebuyers
- Florida Insurers Imposing New Limits on Amounts Spent to Match Appearance
- Managing Expectations: Why Florida Homeowners Insurance Premiums Are Not Likely to Go Down
- Home Insurance Is So High in This Florida Town, Residents Are Leaving
- Rising Insurance Costs Start to Hit Home Sales
- Citrus homeowner could lose insurance for being too far away from fire hydrant
- Looking for a lower insurance rate? In Miami, you have tough options…
- Your insurance company dropped your coverage? It could be doing you a favor in Florida
- Hurricane Ian - One Year later: Bonita condo owners face steep bills no access to units
- Citizens Insurance rolls out new wave of depopulation letters, more expected soon
- Progressive to send non-renewals to some Florida policyholders
- Homeowners Flock to Last-Resort Insurance Policies
- Colorado Insurance: Why It's Getting so Expensive for Homeowners
Q3 2023
- The 9th National Risk Assessment: The Insurance Issue
- Millions of U.S. properties are overvalued. Climate risk is one reason.
- What to know about California's new proposed rules for insurance companies
- Citizens Insurance customers could see double-digit hikes
- Stunned by a Citizens Insurance 'depopulation' letter? Here's what you need to know.
- Florida Citizens customers: Check mail or face costly insurance switch
- High insurance rates are creating a crisis for Louisiana affordable housing development
- How wildfire risk scoring puts WA homeowners in insurance jeopardy
- Rates climbing for Louisiana's insurer of last resort
- We Left Florida Because Our Homeowners Insurance Ballooned to $12,000
- Florida Condo Association’s property insurance spiked nearly 1,000%
- Senators take up looming insurance crisis as policy issuers flee Florida and California
- Inside the rising costs of homeowners insurance policies in California
- The sinking of California's insurance industry
- Global Insured Losses from Natural Disasters Exceeded $130 Billion in 2022, Driven by Second-Costliest Event on Record
- Idalia's effect on rising insurance rates
- Home insurers cut natural disasters from policies over climate risk
- Largest U.S. Insurance Companies Now Claim ‘Climate Change’ is Behind Ending Coverage
- Increase In Homeowner's Insurance Rates In Oklahoma
- Ultra Rich Pay $620,000 to Shield Mega Mansions From Disaster Risk
- Make No Mistake, Insurance is Not Optional for Many Community Associations
- Property insurance hyper-inflation is driving people from their homes
- Americans Are Bailing on Their Home Insurance
- Protest broke out at a 55+ Florida community over skyrocketing home insurance premiums
- Middle class Americans are moving straight into fire and drought because they can't afford to live in the cities that are safer from climate change
- How Florida let a top insurer abandon homeowners in their time of greatest need
- California couple loses homeowners' insurance: they drained their swimming pool…
- Soaring home insurance costs are pushing these families out of Florida
- Getting canceled: Key Biscayne is in the eye of the insurance crisis
- Why California and Florida Have Become Almost Uninsurable
- Americans Are Moving Toward Climate Danger in Search of Cheaper Homes
- Migration to Flood-Prone Areas Has More Than Doubled Since 2020
- Florida Citizens policyholders may have to switch coverage
- Americans flocked to Florida for low taxes and sunshine, but an under-the-radar cost of homeownership keeps rising: insurance
- Florida homeowners insurance market shows signs of rebound amid market reforms
- Ray of Sunshine: Florida Insurers Show Profit as Citizens Takeouts Rise
- 3 new Florida laws aim to mitigate homeowners' rising property insurance costs
- Home Insurers Are Charging More and Insuring Less
- Homeowners insurance in Colorado skyrockets, Louisville condo owners see sevenfold increase
- California senate committee addresses condominium insurance crisis
- Florida Condo Association’s property insurance spiked nearly 1,000%
- AAA Insurance set to drop ‘small percentage’ of FL homeowners
- Florida Sells Bonds to Backstop Its Homeowner's Insurance Industry
- What to Do When Your Home-Insurance Policy Isn’t Renewed
- What Happens when Insurers Can't Get Insurance?
Q2 2023
Q1 2023
2022
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