Residents
Welcome, Homeowners!
Navigating HOA insurance can sometimes feel confusing and overwhelming, but you don’t have to go through it alone. At NEXTIER Insurance Services, we’re committed to making the process simple, stress-free, and tailored to your needs.
Our team is here to answer your questions
Our team is here to answer your questions, guide you through your options, and ensure you have the right coverage to protect what matters most. Whether you’re a first-time homeowner or experienced with HOA policies, we’re dedicated to providing clarity and support every step of the way.
Feel Confident
Let us help you feel confident and informed about your insurance decisions.
Frequently Asked Questions
I Need A Certificate Of Insurance?
Click below to complete the request process
Feeling Like HOA Dues Are Too High Due To Rising Insurance Costs?
Homeowners often feel frustrated paying high HOA dues without understanding what drives the costs, especially when insurance premiums for the master insurance policy increase. They may feel they’re overpaying for coverage or suspect inefficiencies in the HOA’s insurance management.
NEXTIER Insurance can review your HOA’s master policy for inefficiencies or areas where the HOA might be overinsured or underinsured. Click below for a complimentary review of your HOA’s master policy.
We specialize in helping HOA’s utilize proactive maintenance, and reduced liability exposures in order to help reduce premiums and, by extension, homeowner HOA dues.
Is There A Lack Of Transparency With Regards To HOA Insurance Costs?
Do You Have Concerns Over How Shared Risks and Claims Are Being Handled By The HOA?
Homeowners may worry that claims on the master policy (e.g., damage to shared areas or lawsuits) will lead to higher premiums for everyone, including them. This shared financial risk can feel unfair, especially when some residents are seen as more “accident-prone” or negligent.
Part of the value we bring to clients are risk-reduction strategies, such as community safety programs, regular maintenance, or preventative measures, to lower the likelihood of claims, which helps insurance carriers view the HOA as a good risk which can help with lowering premiums.
We like to offer solutions for tracking and analyzing claims history to identify patterns and recommend corrective actions. A proactive approach can lead to lower premiums over time, easing the burden on dues.
Not Sure About Overlapping Or Gaps In Coverage with Regards To Your Personal Insurance?
Homeowners may feel they’re paying for coverage through the master policy that overlaps with their individual homeowner’s insurance, resulting in unnecessary expenses.
We recommend that your personal insurance agent review the master HOA policy alongside your personal H06 policy to determine coverage gaps with your individual homeowner policy. Your personal insurance agent should be able to recommend policy adjustments that eliminate your risk should a claim occur.
Why Choose NEXTIER Insurance Services?
Let us handle the complexities of insurance so you can focus on what truly matters.
Expertise You Can Rely On
With over 40 years of combined experience, we specialize in HOA and homeowners insurance, ensuring you're in capable hands.
Personalized Service
We treat every client with care and respect, providing clear explanations and walking alongside you to ensure you’re confident and properly covered.
Smart Savings
We work to uncover opportunities to optimize your insurance costs while securing the right protection for your needs.
