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 Houston
Companies that control the most properties in the segment that suits this trade.
| Company | Properties | Vendor credentialing |
|---|---|---|
| Crest Management Company | 195 | not yet verified |
| Regency Association Management | 21 | not yet verified |
| Sterling Association Services | 14 | not yet verified |
| Associa – Principal Management Group | 13 | not yet verified |
| Rise Association Management Group | 13 | not yet verified |
| VanMor Properties | 13 | not yet verified |
| The Management Trust | 11 | not yet verified |
| Creative Management Company | 9 | not yet verified |
| Goodwin & Company | 7 | not yet verified |
| Houston Community Management Services (HCMS) | 7 | not yet verified |
Questions from insurance agents serving HOAs
How do insurance agents serving HOAs get contracts at Houston 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 Houston?
4,717 HOAs (WhoRunsWhat data, October 2026).
When do Houston 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.