HOA Insurance Solutions Tailored for Texas Communities

Q: What does homeowners association insurance cover in Texas?

Texas HOA insurance typically covers common areas like clubhouses, pools, sidewalks, and landscaping, as well as liability for board members and the association.

Q: Is HOA insurance required in Texas?

Yes, most Texas HOAs are legally required or governed by their bylaws to carry insurance that protects shared property and provides liability coverage.

Q: How much does HOA insurance cost in Texas?

Costs vary based on the size of the community, location, coverage limits, and risks such as storms or floods. On average, premiums range from $2,000 to $10,000+ annually.

Q: What’s the difference between HOA master policy and individual homeowners insurance?

The HOA master policy covers shared/common areas, while individual homeowners policies cover personal property and the interior of each unit.

Q: Do Texas HOAs need flood or windstorm insurance?

If the community is in a high-risk zone or coastal area, additional flood or windstorm coverage may be necessary to meet insurance and lender requirements.

Q: What type of liability insurance should a Texas HOA carry?

General liability, directors and officers (D&O) liability, and sometimes umbrella policies are recommended to protect board members and the association.

Q: Can an HOA be sued if it doesn’t have proper insurance?

Yes, lack of appropriate insurance can expose the HOA and board members to lawsuits from residents or third parties for damages or negligence.

Q: How often should a Texas HOA review its insurance policy?

HOAs should review their insurance annually or whenever there are changes in community structure, amenities, or legal regulations.

Q: Does Texas law regulate HOA insurance requirements?

While there is no one-size-fits-all law, many requirements are outlined in the Texas Property Code and association governing documents.

Q: How can a Texas HOA save money on insurance?

Bundling policies, increasing deductibles, improving risk management, and working with specialized agents like E360 Insurance can help reduce premiums.

Managing a homeowners association (HOA) in Texas isn’t just about maintaining curb appeal or organizing meetings—it’s also about protecting the community from unexpected risks. That’s where we come in.

At e360 Insurance, we help HOAs across Texas secure the right insurance coverage—so your board members can lead with confidence and your residents can enjoy peace of mind.

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What Makes HOA Insurance Essential in Texas?

Texas weather isn’t always friendly. From hail and high winds to flooding and sudden freezes, properties here take a beating. Add in legal risks, maintenance accidents, and financial oversight responsibilities—your HOA has a lot to manage.

A well-structured HOA insurance policy helps protect:

Shared buildings and community areas
Board members from personal liability
Your HOA’s funds and reputationThis isn’t just another box to check—it’s the foundation for long-term community stability.

What We Help Protect

No HOA is identical, but most face similar risks. Here’s what a typical Texas HOA policy with e360 Insurance may include:

🔹 Common Area Property Coverage

Think clubhouses, sidewalks, playgrounds, or perimeter walls. If the HOA owns or maintains it, it likely needs coverage.

🔹 Liability Protection

Slip-and-fall at the community pool? A tree limb falls on a visitor’s car? General liability coverage helps handle those unexpected situations.

🔹 Board Member Liability (D&O Insurance)

Board decisions aren’t always popular. D&O coverage protects your volunteers if they’re sued for decisions made on behalf of the HOA.

Not Sure What You Need? That’s Where We Shine

At e360 Insurance, we don’t expect you to know exactly what kind of coverage your HOA needs. We ask the right questions, evaluate your risks, review your bylaws, and design a policy that fits.

We serve all types of HOAs and community associations across Texas, including:

Condo associations
Townhome developments
Planned unit developments (PUDs)
Gated communities
Mixed-use residential complexesE360 Insurance is available to assist you in creating a clever insurance plan.

Why Texas HOAs Partner with e360 Insurance

Texas Know-How

We understand the insurance challenges specific to Texas—including property risks, legal climate, and regional requirements.

Independent Access to Top Carriers

We can get you the best deal by comparing coverage and costs from several insurers because we aren't affiliated with any one of them.

Easy Procedure, Individual Assistance

From determining your coverage gaps to assisting with renewals and claims, our staff handles the little things.

Policies That Scale With Your Community

As your HOA grows or changes, your coverage should too. We’ll help you adapt your policy as needed—no guesswork involved.

Ready to Strengthen Your Community’s Coverage?

No two HOAs are the same—and your insurance policy shouldn’t be either. Whether you’re reviewing your current plan or building one from the ground up, our team at e360 Insurance is here to guide you with clarity, not pressure.