California HOA Insurance Shouldn't Be This Complicated.

Rising premiums. Non-renewals. Confusing exclusions. Changing carrier requirements.

NEXTIER helps HOA boards and community managers understand their coverage, improve their options, and make informed insurance decisions with confidence.

Comprehensive Insurance Protection for Community Associations

Local Knowledge. Specialized Expertise. Better Outcomes.

California HOA insurance is a specialized market.

Wildfire exposure, aging infrastructure, water losses, property valuations, claims history, changing underwriting requirements, lender requirements, and rising replacement costs can all affect an association’s ability to obtain competitive coverage.

NEXTIER specializes in HOA insurance. We understand the challenges facing California communities because this isn’t one small part of what we do.

It’s our focus.

Serving community associations throughout California.

Complete HOA Insurance Protection, All in One Place

Your association has a lot to protect from its buildings and common areas to its board members, finances, employees, and day-to-day operations. NEXTIER brings those needs together under one strategic HOA insurance program, giving your board one trusted advisor and a more complete approach to protecting your community.

Our community association insurance solutions can include property and infrastructure protection, general and premises liability, directors and officers and fiduciary liability, umbrella and excess coverage, cyber and data protection, crime and fidelity insurance, and workers’ compensation and employer liability. By coordinating these coverages together, NEXTIER helps California HOA boards and community managers reduce potential gaps, better understand their protection, and make more confident insurance decisions.

How Can We Assist You?

I’m a Board Member Who Wants To:

I’m a Community Manager Who Wants To:

I’m a Resident Who Wants To:

Why Choose NEXTIER

NEXTIER is an independent insurance broker specializing exclusively in homeowners association insurance, providing strategic guidance, broad market access, and tailored protection for community associations. We work with leading admitted and specialty carriers to design comprehensive insurance programs that protect association property, leadership, operations, and financial stability. Our role is to simplify complex insurance decisions, advocate for your community in a challenging market, and deliver clarity, confidence, and long-term protection. With NEXTIER, your association gains an experienced advisor committed to securing the right coverage, at the right structure, from the right markets.

Meet Our Team

Complimentary HOA Insurance Check-Up

Ensure your community is fully protected. Our complimentary check-up includes:

CC&R Compliance Review

We verify that your insurance meets all CC&R requirements and California Civil Code compliance for liability and fidelity bond coverage.

Exclusion Assessment

We identify and address any exclusions or limitations in your policy.

Comprehensive Deductible Review

We ensure deductible amounts are reasonable for your HOA’s financial situation.

Claims Process Support

Our easy-to-follow claims process guides you through every step, so you’re prepared when it matters most.

Some Of The Top Carriers We Represent

Proud Partners of These Leading Associations

Our Core Coverages for HOAs

With decades of experience, NEXTIER Insurance Services provides personalized insurance solutions that meet the unique needs of Homeowners Associations (HOAs). We offer a wide range of specialized coverages to meet the diverse needs of HOAs, including:

Causes We Proudly Support

Client Testimonials

“In the fast-paced and high-pressure world of property management, NEXTIER Insurance has consistently exceeded my expectations. Their entire staff embodies professionalism, kindness, expertise, and a relentless commitment to serving their clients and communities in every possible manner.”

“We highly recommend NEXTIER as an exceptional partner. We use them for all our new developments. Their expertise, proactive approach, and unwavering commitment to customer service have consistently exceeded our expectations. We have consistently agreed that this team is an invaluable asset to our organization.”

“As Board President, we were struggling with what to do about our HOA insurance and NEXTIER provided so much guidance and support. It was meaningful that NEXTIER attended Board meetings with our community. It allowed us to choose coverage that makes sense, matches our CC&R’s, at a reasonable cost.”