We've been protecting Nevada homeowner associations since 1984. From NRS 116 compliance to comprehensive coverage, we understand the unique risks facing Nevada HOAs — and we know exactly how to protect your community and its board members.
Since 1984, we have specialized exclusively in insuring Nevada homeowner associations. We don't dabble in HOA insurance — it's all we do. That depth of focus means your community gets coverage that's precisely tailored to Nevada law and your community's specific risks.
We know Nevada's HOA landscape inside and out — from the Las Vegas valley to Reno and every community in between. Our experience spans planned unit developments, condominium associations, and large master-planned communities.
Nevada Revised Statutes Chapter 116 imposes specific insurance mandates on HOAs. We ensure your coverage meets every statutory requirement — protecting the association, the board, and individual homeowners.
We are approved by the Nevada Division of Real Estate to teach continuing education courses for Community Association Managers. We don't just sell insurance — we educate the professionals who manage Nevada's communities.
Every Nevada HOA has unique risks. We build customized insurance programs that address your community's specific exposures while satisfying all NRS 116 requirements.
Protects the physical structure of the entire community — buildings, common areas, and shared infrastructure — against fire, wind, vandalism, and other covered perils.
Shields board members from personal liability arising from decisions made in their official capacity. Required under NRS 116 for most Nevada HOAs.
Protects association funds from theft, embezzlement, or dishonest acts by board members, employees, or management companies. NRS 116.3143 mandates fidelity coverage.
Covers bodily injury and property damage claims arising from common areas — pools, clubhouses, walkways, and other shared amenities.
Covers employees and contracted workers for on-the-job injuries. Required by Nevada law for associations with employees.
Covers vehicles owned or operated by the association for maintenance, landscaping, or management activities.
Protects against data breaches, ransomware, and cyber attacks targeting HOA records, financial data, and homeowner information.
Provides an additional layer of protection above your primary liability limits — critical for larger communities with significant exposure.
Covers sudden mechanical or electrical failure of boilers, HVAC systems, elevators, and other community equipment.
Nevada Revised Statutes Chapter 116 is the primary law governing common-interest communities in Nevada. It establishes mandatory insurance requirements, board member duties, and financial protections that every HOA must comply with. Non-compliance can expose the association and individual board members to significant personal liability.
Requires every common-interest community to maintain property insurance on the common elements and units, plus liability insurance covering the association and its officers.
Mandates fidelity coverage for any person who controls or disburses association funds. The bond must equal at least three months of assessments plus reserve funds.
Establishes the standard of care for board members and the protections available to them — making D&O insurance a practical necessity for every Nevada HOA board.
Governs the licensing and regulation of Community Association Managers (CAMs) in Nevada. CAMs must maintain CE credits — including insurance-related coursework — to keep their license active.
Many Nevada HOAs unknowingly carry inadequate coverage or miss key statutory requirements. We offer a free compliance review to identify any gaps in your current program — at no cost and no obligation.
We are an approved continuing education provider for the Nevada Division of Real Estate. Our courses are designed specifically for licensed Community Association Managers (CAMs) who need to satisfy their CE requirements under NRS 311.3.
Our insurance-focused CE curriculum covers the practical application of NRS 116 insurance mandates, how to evaluate HOA insurance programs, understanding policy language, claims management best practices, and the fiduciary duties of board members as they relate to risk management.
Whether you're a CAM looking to satisfy your CE requirements or a management company seeking training for your team, we'd love to hear from you. Reach out for scheduling, course details, and group rates.
Contact Us About CE ClassesFill out the form below and we'll prepare a customized quote for your community. With over 40 years of Nevada HOA experience, we'll make sure your association has the right coverage at the right price.
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[email protected]Nevada's HOA Insurance Specialists · Serving Nevada Since 1984