<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0"><channel><title><![CDATA[HOAInsurance.IO]]></title><description><![CDATA[Protecting communities, empowering associations.]]></description><link>https://www.hoainsurance.io/blog</link><generator>RSS for Node</generator><lastBuildDate>Sat, 15 Aug 2026 13:21:11 GMT</lastBuildDate><atom:link href="https://www.hoainsurance.io/blog-feed.xml" rel="self" type="application/rss+xml"/><item><title><![CDATA[Reinsurance Markets Continue to Improve: What It Means for HOA Insurance Costs]]></title><description><![CDATA[By Devon Schad, President of Schad Agency Over the past several years, community associations have experienced what I previously referred to as "Capital Whiplash." Following years of catastrophic losses, inflation, rising construction costs, and reduced reinsurance capacity, insurance carriers were forced to dramatically increase rates, reduce coverage options, and increase deductibles. The good news is that the market continues to move in a more favorable direction. Recent June 1 reinsurance...]]></description><link>https://www.hoainsurance.io/post/reinsurance-markets-continue-to-improve-what-it-means-for-hoa-insurance-costs</link><guid isPermaLink="false">6a4fd917b9c4397a0f1c1792</guid><pubDate>Mon, 01 Jun 2026 18:44:03 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/d29b49_5f1ed5aedffd4e4aaaf2334a596610e2~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Devon Schad</dc:creator></item><item><title><![CDATA[HOA Buyer Document Review]]></title><description><![CDATA[HOA Buyer Document Review – AI Search Prompt Checklist This version is formatted for easy copy/paste into ChatGPT, Claude, Gemini, Perplexity, or other AI tools when reviewing HOA documents. AI PROMPT: Review the attached HOA documents including the current year budget, reserve study (if available), last 6–12 months of board minutes, annual meeting minutes, owner communications, and insurance renewal summaries. Identify potential buyer concerns that may indicate future special assessments,...]]></description><link>https://www.hoainsurance.io/post/hoa-buyer-document-review</link><guid isPermaLink="false">6a4fd916b9c4397a0f1c177e</guid><pubDate>Fri, 22 May 2026 23:43:07 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/c27911_0ec469b3c4ad4c96b45ddd841f25ba71~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Devon Schad</dc:creator></item><item><title><![CDATA[Capital Whiplash: Why Community Associations Should View Today’s Insurance Savings with Caution]]></title><description><![CDATA[After several years of relentless premium increases, many community associations are finally seeing something that has been in short supply: stabilization. In some cases, modest premium decreases are beginning to appear. For boards and managers who have spent multiple budget cycles navigating sharp insurance cost escalation, the shift is understandably welcome. But beneath the surface of this improving pricing environment lies a reality that the insurance industry knows well — markets rarely...]]></description><link>https://www.hoainsurance.io/post/capital-whiplash-why-community-associations-should-view-today-s-insurance-savings-with-caution</link><guid isPermaLink="false">6a4fd916b9c4397a0f1c177d</guid><pubDate>Thu, 26 Feb 2026 00:53:52 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/c27911_2bf46430e1e840e2ae8764fc521d417c~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Devon Schad</dc:creator></item><item><title><![CDATA[Copper Theft Targets Backflow Preventers at HOAs and Commercial Properties]]></title><description><![CDATA[Copper theft continues to rise across many communities, and a growing number of homeowners associations and commercial property owners are discovering that irrigation backflow preventers  have become a frequent target. These devices, which protect potable water systems from contamination caused by lawn sprinkler and irrigation systems, contain copper and brass and are often installed outdoors in easily accessible locations. That combination has made them especially attractive to thieves...]]></description><link>https://www.hoainsurance.io/post/copper-theft-targets-backflow-preventers-at-hoas-and-commercial-properties</link><guid isPermaLink="false">6a4fd916b9c4397a0f1c177c</guid><pubDate>Thu, 05 Feb 2026 18:36:03 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/c27911_ad849a72705343edba7afde79ef77241~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Devon Schad</dc:creator></item><item><title><![CDATA[Admitted vs Non-admitted Insurance Options for Community Associations]]></title><description><![CDATA[The Advantages of Admitted Insurance vs. Non-Admitted Insurance When choosing an insurance policy, understanding the differences between...]]></description><link>https://www.hoainsurance.io/post/admitted-vs-non-admitted-insurance-options-for-community-associations</link><guid isPermaLink="false">6a4fd916b9c4397a0f1c177b</guid><pubDate>Fri, 27 Sep 2024 22:17:34 GMT</pubDate><dc:creator>Devon Schad</dc:creator></item><item><title><![CDATA[The Domino Effect: How Low Interest Rates Have Impacted Insurance Rates Across the United States]]></title><description><![CDATA[Insurance is a fundamental aspect of financial stability for individuals, businesses, and communities. However, over the past few years,...]]></description><link>https://www.hoainsurance.io/post/the-domino-effect-how-low-interest-rates-have-impacted-insurance-rates-across-the-united-states</link><guid isPermaLink="false">6a4fd916b9c4397a0f1c177a</guid><pubDate>Fri, 08 Sep 2023 22:48:04 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/nsplsh_00ba9d0daaec4b1e824e76d8772f8810~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Devon Schad</dc:creator></item><item><title><![CDATA[What are CC&#38;Rs?]]></title><description><![CDATA[Covenants, conditions, and restrictions (CC&#38;Rs) are a set of rules and regulations established by a homeowners association (HOA) to...]]></description><link>https://www.hoainsurance.io/post/what-are-cc-rs</link><guid isPermaLink="false">6a4fd916b9c4397a0f1c1775</guid><pubDate>Tue, 28 Mar 2023 18:52:02 GMT</pubDate><dc:creator>Devon Schad</dc:creator></item><item><title><![CDATA[What If My Ball Hits Someone While Playing Golf?]]></title><description><![CDATA[It depends on the specific circumstances and the coverage in your homeowners insurance policy. Most standard homeowners insurance...]]></description><link>https://www.hoainsurance.io/post/what-if-my-ball-hits-someone-while-play-golf</link><guid isPermaLink="false">6a4fd916b9c4397a0f1c1779</guid><pubDate>Tue, 21 Mar 2023 17:19:02 GMT</pubDate><dc:creator>Devon Schad</dc:creator></item><item><title><![CDATA[How Much Liability Coverage Should I Purchase?]]></title><description><![CDATA[The amount of insurance liability coverage that is enough varies depending on an individual's specific circumstances and assets. The...]]></description><link>https://www.hoainsurance.io/post/how-much-liability-coverage-should-i-purchase</link><guid isPermaLink="false">6a4fd916b9c4397a0f1c1778</guid><pubDate>Tue, 21 Mar 2023 17:16:02 GMT</pubDate><dc:creator>Devon Schad</dc:creator></item><item><title><![CDATA[I Was Assessed a Share of a Deductible By My Condominium Association. Will My Policy Pay?]]></title><description><![CDATA[A condominium owner with an HO6 insurance policy may be able to use their loss assessment coverage to help pay for a deductible assessed...]]></description><link>https://www.hoainsurance.io/post/i-was-assessed-a-share-of-a-deductible-by-my-condominium-association-will-my-policy-pay</link><guid isPermaLink="false">6a4fd916b9c4397a0f1c1777</guid><pubDate>Tue, 14 Mar 2023 16:59:03 GMT</pubDate><dc:creator>Devon Schad</dc:creator></item><item><title><![CDATA[What is a wind and hail percentage deductible?]]></title><description><![CDATA[A wind/hail deductible is a type of insurance deductible that applies specifically to damages caused by windstorms or hail. This type of...]]></description><link>https://www.hoainsurance.io/post/what-is-a-wind-and-hail-percentage-deductible</link><guid isPermaLink="false">6a4fd916b9c4397a0f1c1776</guid><pubDate>Tue, 07 Mar 2023 18:54:01 GMT</pubDate><dc:creator>Devon Schad</dc:creator></item><item><title><![CDATA[Are there benefits to living in an association?]]></title><description><![CDATA[As one of the largest insurance agencies for insuring homeowners associations we know living in an HOA can bring with it ups and downs,...]]></description><link>https://www.hoainsurance.io/post/are-there-benefits-to-living-in-an-association</link><guid isPermaLink="false">6a4fd916b9c4397a0f1c1774</guid><pubDate>Tue, 21 Feb 2023 19:50:01 GMT</pubDate><dc:creator>Devon Schad</dc:creator></item><item><title><![CDATA[Is Vandalism to My Rental Property Covered? ]]></title><description><![CDATA[First check what type of policy you have. Most rentals (single family to 4 units) are covered under a dwelling policy form. With a...]]></description><link>https://www.hoainsurance.io/post/is-vandalism-to-my-rental-property-covered</link><guid isPermaLink="false">6a4fd916b9c4397a0f1c1773</guid><pubDate>Tue, 14 Feb 2023 21:15:02 GMT</pubDate><dc:creator>Devon Schad</dc:creator></item><item><title><![CDATA[Insurance Simplified: 5 Most Important parts to Home Insurance ]]></title><description><![CDATA[The 5 most important parts of a homeowners insurance policy typically include: Coverage for the structure of the home: This covers...]]></description><link>https://www.hoainsurance.io/post/insurance-simplified-5-most-important-parts-to-home-insurance</link><guid isPermaLink="false">6a4fd916b9c4397a0f1c1772</guid><pubDate>Tue, 07 Feb 2023 19:09:53 GMT</pubDate><dc:creator>Devon Schad</dc:creator></item><item><title><![CDATA[Why You Should Purchase Uninsured Motorist Coverage]]></title><description><![CDATA[Uninsured motorist coverage is an important part of your car insurance policy that provides protection for policyholders in the event of...]]></description><link>https://www.hoainsurance.io/post/why-you-should-purchase-uninsured-motorist-coverage</link><guid isPermaLink="false">6a4fd916b9c4397a0f1c1771</guid><pubDate>Wed, 21 Dec 2022 00:22:05 GMT</pubDate><dc:creator>Devon Schad</dc:creator></item><item><title><![CDATA[Three Reasons Why Insurance Costs Continue to Rise For Condominium and Townhome Associations]]></title><description><![CDATA[The COVID-19 pandemic, the 2021 collapse of Champlain Towers South, Hurricane Ian, years of hail in Colorado, the Marshall Fire and now...]]></description><link>https://www.hoainsurance.io/post/three-reasons-why-insurance-costs-continue-to-rise-for-condominium-and-townhome-associations</link><guid isPermaLink="false">6a4fd916b9c4397a0f1c1770</guid><pubDate>Tue, 13 Dec 2022 21:54:53 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/11062b_16f6a56f27b142dba8718125271efd02~mv2_d_5472_3648_s_4_2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Devon Schad</dc:creator></item><item><title><![CDATA[The ABC's of Building Ordinance]]></title><description><![CDATA[Ordinance or Law coverage for commercial property consists of 3 main segments: Coverage A – Undamaged Portion of the Building Coverage B...]]></description><link>https://www.hoainsurance.io/post/the-abc-s-of-building-ordinance</link><guid isPermaLink="false">6a4fd916b9c4397a0f1c176e</guid><pubDate>Fri, 03 Jun 2022 16:25:54 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/a11840dcab0443be94d2422e3cab3b77.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Devon Schad</dc:creator></item><item><title><![CDATA[Devastation in our Backyard - A look at insurance and what we can learn from the Marshall Fire]]></title><description><![CDATA[Growing up in Louisville, Colorado, I like many others, could have never imagined the scene that unfolded on December 30, 2021. Early in...]]></description><link>https://www.hoainsurance.io/post/devastation-in-our-backyard-a-look-at-insurance-and-what-we-can-learn-from-the-marshall-fire</link><guid isPermaLink="false">6a4fd916b9c4397a0f1c176f</guid><pubDate>Sat, 15 Jan 2022 07:00:00 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/b36cffa62cce4645b1ddf3e0bc1b2680.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Devon Schad</dc:creator></item><item><title><![CDATA[Landlord-ology Renters Insurance benefits both Landlord and Renter: Protect Your Assets and Your Inc]]></title><description><![CDATA[By Devon Schad, The Schad Agency THE BASICS For most tenants, purchasing renter’s insurance is not at the top of their to-do list. Coming...]]></description><link>https://www.hoainsurance.io/post/landlord-ology-renters-insurance-benefits-both-landlord-and-renter-protect-your-assets-and-your-inc</link><guid isPermaLink="false">6a4fd916b9c4397a0f1c176d</guid><pubDate>Wed, 25 Aug 2021 17:58:49 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/11062b_b14f27bd849b4effb579acba7a2cdf73~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Devon Schad</dc:creator></item><item><title><![CDATA[10 Tips for Choosing a Community Association Insurance Policy]]></title><description><![CDATA[By Devon Schad, Schad Agency Every year, an association must renew or select a new insurance policy for the association. Often boards...]]></description><link>https://www.hoainsurance.io/post/10-tips-for-choosing-a-community-association-insurance-policy</link><guid isPermaLink="false">6a4fd916b9c4397a0f1c176c</guid><pubDate>Wed, 25 Aug 2021 17:52:13 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/c27911_300589ce161a4a64bb88dd1929128ebd~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Devon Schad</dc:creator></item></channel></rss>