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Learn how HOA insurance is shifting in 2025, why premiums are stabilizing, and how boards can lower risk and costs!
✅ Is a Reserve Study right for you? 👉 https://www.reservestudy.com/

What’s really happening with HOA insurance in 2025? Robert & Kevin break down the latest trends shaping premiums, risks, and reinsurance markets across the country. From the impact of billion-dollar wildfires to the rise of “thermonuclear” you’ll learn what’s driving insurance costs and how your association can position itself as a lower-risk community. Kevin shares how reinsurance stability is finally bringing balance back to the market, and why your board’s maintenance, rule enforcement, and financial discipline are key to getting better rates.

Chapters
00:00 Why 2025 has been a turning point for HOA insurance
04:17 What does it mean that we’ve “crossed the Rubicon” for insurance stability?
06:58 How reinsurance markets shape HOA insurance premiums
08:41 Are insurance rates finally flattening out for associations?
09:50 Why weather-related claims are still driving losses
12:17 How tariffs and inflation impact rebuilding costs and coverage
15:04 What are “nuclear” and “thermonuclear” verdicts—and why they matter?18:15 Ad Break - Association Reserves
18:47 What can HOA boards do to become lower-risk associations?
21:32 Why maintenance, funding, and enforcement lower your insurance risk
24:18 How reserve studies and strong finances help protect your community
26:11 How “social pessimism” affects board performance and trust
30:55 Why culture, optimism, and diligence are key for strong associations
33:02 Why 2026 could bring better insurance rates for prepared HOAs

The views & opinions expressed in this program are those of the Hosts & Guests, intended to provide general education about the community association industry. The content is not intended to provide specific advice or recommendations for any individual or organization. Please seek advice from licensed professionals.

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