Who decides
An HOA's master policy (property, general liability, directors & officers, fidelity) is bought by the board, usually with its management company collecting quotes at renewal.
Where to focus
Management certificates name the management company for every HOA, and one manager may collect renewal quotes for dozens of associations. A new certificate often means a new manager reviewing the association's vendors and policies.
Vendor approval
Boards and their managers usually want the agency's licensing, carrier options and experience with community associations. Getting on a management company's list of preferred agents reaches every association it runs.
Timing
Policies renew on each association's own date, often tied to its fiscal year; boards review quotes 60–90 days ahead.
Biggest single decisions in Texas
Companies that control the most properties in the segment that suits this trade.
| Company | Properties | Vendor credentialing |
|---|---|---|
| Crest Management Company | 196 | not yet verified |
| Goodwin & Company | 84 | not yet verified |
| Associa – Principal Management Group | 77 | not yet verified |
| Neighborhood Management, Inc. | 29 | not yet verified |
| Regency Association Management | 26 | not yet verified |
| Lifetime HOA Management | 24 | not yet verified |
| Legacy Southwest Property Management | 22 | not yet verified |
| Rise Association Management Group | 20 | not yet verified |
| Spectrum Association Management | 19 | not yet verified |
| The Management Trust | 19 | not yet verified |
HOA insurance guides by metro
Questions from insurance agents serving HOAs
How do insurance agents serving HOAs get contracts at Texas HOAs?
An HOA's master policy (property, general liability, directors & officers, fidelity) is bought by the board, usually with its management company collecting quotes at renewal.
How many properties could a HOA insurance company serve in Texas?
15,745 HOAs (WhoRunsWhat data, October 2026).
When do Texas properties buy HOA insurance services?
Policies renew on each association's own date, often tied to its fiscal year; boards review quotes 60–90 days ahead.