How to Get a Copy of Your HOA Master Insurance Policy in California
If you own a condo or live in a home subject to a homeowners association (HOA), your community probably has a master insurance policy. It’s a policy that covers the structure and common areas of the community and is a significant factor in the type of personal insurance (such as condo or HO-6 insurance) that you may need.
But what if you do need a copy of the master policy of your HOA insurance in California for your mortgage lender, your insurer, or your records?
In California, homeowners have the legal right to access their HOA’s insurance information. This blog will walk you through what a master insurance policy is, why it matters, and how to obtain a copy in compliance with California’s HOA laws.
What Is an HOA Master Insurance Policy?
The HOA master insurance policy is a type of property and liability insurance purchased by the homeowners association. It typically covers:
- The physical structure of the building(s), including roofs, walls, and shared infrastructure
- Common areas like hallways, lobbies, swimming pools, gyms, and clubhouses
- Liability coverage for injuries that occur in shared spaces
This policy is funded through the HOA dues that members pay, and it helps ensure that individual homeowners aren’t personally responsible for structural or shared property damage.
Why You Might Need a Copy of the Master HOA Insurance Policy
There are several legitimate reasons why a homeowner may need to obtain a copy of the HOA insurance policy, including
- Refinancing or applying for a mortgage (lenders often request this)
- Securing or updating your personal condo insurance policy
- Reviewing coverage in case of damage to shared structures or units
- Clarifying your financial responsibility in the event of a claim
Knowing exactly what’s covered by the master policy helps homeowners avoid paying out of pocket for something that may already be insured.
California Laws on HOA Insurance Document Access
In California, the Davis-Stirling Common Interest Development Act (Civil Code Sections 4000–6150) governs the rights of homeowners within HOAs. According to this law:
- Homeowners have a legal right to request and inspect association documents, including the master insurance policy.
- Specifically, Civil Code §5300(b)(9) requires HOAs to include a summary of the association’s insurance policies annually.
- Additionally, under Civil Code §5200-5240, the entire master policy and other financial documents must also be furnished for inspection or copying within a reasonable time (which is usually 10 business days).
This is to say, your HOA cannot legally restrict your access to the master insurance policy.
How to Request a Copy of the HOA Master Insurance Policy
Here’s a step-by-step guide to help you access the policy:
1. Start by Reviewing the HOA Annual Disclosure
HOAs in California are required to provide homeowners with an Annual Budget Report, which includes an insurance summary. Check your latest annual mailing or email from the HOA. It may already include the policy information you need.
2. Submit a Written Request to the HOA
If the summary is not sufficient, send a written request (email or letter) to your HOA board or property management company. Include:
- Your full name and unit address
- A clear request for a copy of the current master insurance policy
- The reason (optional but recommended)
- A request for the document to be emailed or mailed to you
Under California Civil Code §5205, HOAs must make these records available within 10 business days.
3. Inspect the Documents In-Person
If the HOA declines to send a copy directly, you can request an appointment to inspect the documents in person at the HOA’s office. You have the legal right to take notes or request copies (which may involve a reasonable copying fee).
4. Follow Up If Needed
If you don’t hear back within 10 days, follow up with the HOA. If your request is still ignored, you may consider contacting a legal advisor familiar with HOA law in California.
What to Look for in the Master HOA Insurance Policy
When you receive the document, pay attention to:
- Coverage type (walls-in or walls-out)
- Policy limits and exclusions
- Deductibles
- Named insured parties
- Liability limits for common areas
This information is essential for determining whether you need additional coverage through your own condo or renters insurance policy.
What if the HOA Refuses to Provide the Policy?
If your HOA fails to comply with your legitimate request, they may be in violation of California’s Davis-Stirling Act. In such cases:
- Document all communication attempts
- Refer to Civil Code §5230, which may allow penalties or reimbursement for legal action
- Consider mediation or small claims court for repeated noncompliance
However, most HOAs will comply once they understand you are exercising a legal right, not making an unreasonable demand.
Wrapping Up
Securing a policy copy of your master HOA insurance in California is a right that belongs to you, the homeowner. Whether you’re confirming what’s covered or coordinating with your lender or insurer, having this account means you won’t be scrambling when push comes to shove.
It also helps you figure out how much personal coverage you need and could stop you from being over- or underinsured.
A Note from e360 Insurance Services
If you’re uncertain how to interpret your HOA’s master insurance policy, or if you require assistance acquiring personal coverage to fill the gaps, contact e360 Insurance Services for expert, unbiased direction, uniquely designed for California homeowners. Our experts will help you understand your package so you’re not wondering when you’re already under pressure. Let’s connect.