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HOA Insurance is skyrocketing. Learn how tariffs, wildfires, and lawsuits are pushing your premiums higher than ever.
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Why is HOA insurance getting so expensive? Robert and Kevin break down the 3 biggest reasons: wildfires, tariffs, and jaw-dropping liability verdicts. With rebuilding costs spiking and global supply chain issues driven by tariffs, your HOA is likely to feel the squeeze. Kevin explains why rates are rising and how boards can respond. Our goal is to make sure YOU don’t get blindsided. understand what’s driving HOA insurance hikes and what you can do to prepare! 

Chapters From This Episode:
00:00 What happened in the LA wildfire that shocked the insurance industry?
01:24 Why are HOA insurance rates becoming unsustainable?
03:39 What does "stability" in the insurance market actually mean right now?
05:08 How are tariffs and global supply chains driving up rebuilding costs?
07:36 Why are insurers panicking over 2025 first-quarter losses?
09:19 How are insurance premiums affected by unpredictable material prices?
11:24 What are “thermonuclear verdicts” and why do they scare insurers?
13:00 Why are HOA liability claims now potentially in the billions?
17:22 Are boards prepared to raise dues again for insurance costs?
22:50 What’s the 4-step process for navigating rising insurance costs?
27:32 Why does deferred maintenance open your association up to lawsuits?
31:08 How important is clear communication with homeowners right now?
33:04 Final takeaway: Why “maintain, maintain, maintain” is the new HOA mantra

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