HOA Insurance in Englewood, CO

Name: Johnson Insurance Agency
Price range: $$

Colorado HOA Insurance Specialists

Protecting Colorado Homeowners Associations

Colorado’s insurance market has never been more challenging. Wildfire risks, carrier withdrawals, and mandatory HOA coverage requirements demand an expert who truly understands your community. Johnson Insurance Agency has been that expert for over 20 years, and we’re ready to protect yours.

Get Your HOA Risk ReviewGet Your HOA Risk Review

303-768-8130303-768-8130

Why HOAs Trust Johnson Insurance Agency

20+

Years of HOA Insurance Expertise

2nd

Generation of Family Ownership

HOA

Exclusive Specialization

Hard Market Navigation Experts

Established 2011

HOA Insurance Specialists

Serving Colorado Area

The Colorado Reality

HOA Insurance in Colorado Has Never Been More Critical

Colorado’s insurance landscape has shifted dramatically. HOA boards face mounting challenges that require specialized expertise — not a generalist agent guessing at your community’s needs.

Wildfire Risk & Rating Premiums

Englewood county sit in some of Colorado’s highest wildfire risk zones. Premiums have surged — and only agents with deep HOA market access can find carriers willing to write your community at competitive rates.

Carrier Withdrawals From Colorado

Major insurers have pulled out of Colorado’s homeowners market, leaving HOAs scrambling for coverage. Neighborhood Insurance maintains relationships with specialty carriers who understand HOA risks and remain committed to Colorado communities.

HOA Coverage is Mandatory

Colorado law and most CC&Rs require HOAs to carry insurance. Gaps in coverage or lapses can expose board members personally and leave homeowners unprotected. This isn’t optional — it’s a legal and fiduciary obligation.

One-Size-Fits-All Policies Fail HOAs

HOAs have unique coverage requirements that differ from standard commercial or residential policies. An agent who doesn’t specialize in HOAs will likely get the coverage wrong — leaving dangerous gaps your board won’t discover until a claim is filed.

Board Member Personal Liability

HOA board members can face personal lawsuits over decisions made on behalf of the association. Without proper Directors & Officers coverage, well-intentioned volunteers are personally exposed to expensive legal action.

Underinsurance Is a Silent Crisis

Many HOAs are carrying outdated replacement cost valuations. Rebuilding costs have surged since the pandemic — a policy that was adequate three years ago may cover only a fraction of your true replacement value today.

The Colorado Reality

Colorado HOA Insurance Is Our Specialty

Johnson Insurance Agency carries forward a 20-year legacy built on one thing: deep, specialized knowledge of homeowners association insurance. Unlike general agents who occasionally handle HOA policies, we have spent decades understanding the nuances of master policies, CC&R compliance, common area coverage, and the liabilities unique to community associations.

In a hard market, relationships matter. Our long-standing connections with HOA-focused carriers mean we can access coverage options that simply aren’t available through generalist agencies — and we advocate for your community when others can’t.

Access to specialty HOA carriers navigating Colorado’s hard market
Policies tailored to your specific CC&Rs, bylaws, and community structure
Annual coverage reviews to ensure valuations keep pace with rising costs
Active in the HOA community, not just adjacent to it
Second-generation ownership with personal accountability on every policy

Request an HOA Risk ReviewRequest an HOA Risk Review

HOA Specialists

Exclusively focused on community association insurance

CC&R Compliance

Policies designed to meet your governing documents

Carrier Access

Established relationships with HOA-focused insurers

Coverage Reviews

Annual audits to close gaps and update valuations

Local Expertise

20+ years serving Colorado communities

Industry Memberships

Active BBB member since inception

Wildfire Market Nav.

Proven strategies for high-risk zone HOA coverage

Direct Access

Speak directly with an HOA expert, every time

Complete HOA Insurance Solutions

Every Coverage Your HOA Needs, All In One Place

HOA insurance is a multi-layered puzzle. A proper program requires coverage across several distinct policies — each addressing a different risk your community faces. We build comprehensive programs designed for your specific association type, size, and exposures.

Master Property Policy

The cornerstone of every HOA insurance program. Covers the physical structures, common areas, and shared building components of your community against fire, wind, water damage, vandalism, and more. Policies can be written on a Bare Walls-In, Single Entity, or All-In basis — we’ll identify the right structure based on your CC&Rs.

Required Coverage

General Liability Insurance

Protects the association against third-party bodily injury and property damage claims occurring in common areas. If a resident slips on a wet pool deck, a visitor is injured on community property, or a contractor alleges damage — your HOA is protected from the resulting legal costs and settlements.

Required Coverage

Directors & Officers (D&O) Liability

Board members make decisions every day that can result in lawsuits — from enforcement actions to financial decisions to selective rule application. D&O coverage protects individual board members and officers against personal financial liability arising from their management decisions on behalf of the association.

Strongly Recommended

Crime & Fidelity Bond (Employee Dishonesty)

Protects association funds against theft, embezzlement, and fraudulent acts by employees, board members, property managers, or volunteers who handle HOA money. With many HOAs holding substantial reserve funds, this coverage is a critical financial safeguard — and often required by lenders for FHA/VA loan approvals in the community.

Essential Protection

Commercial Umbrella & Excess Liability

Provides an additional layer of liability protection above your primary general liability and D&O limits. In today’s litigious environment, a single catastrophic lawsuit can exhaust underlying limits. An umbrella policy ensures your association — and its homeowners — aren’t left exposed when claims exceed base policy limits.

Enhanced Protection

Workers Compensation Insurance

Required by Colorado law for any HOA with employees — including part-time maintenance workers, groundskeepers, security personnel, or administrative staff. Covers medical expenses and lost wages for employees injured on the job, and protects the association from employer liability. Even HOAs using property management companies may have exposure.

Legally Required (if employees)

Earthquake Insurance

Standard property policies exclude earthquake damage — a critical gap for Colorado HOAs. Seismic risk is real throughout the Colorado, and reconstruction costs following a major earthquake can be devastating. HOA earthquake policies can be written to cover the association’s shared structures, with options for loss assessment coverage for individual owners.

Colorado Critical

Flood Insurance

Flood damage is excluded from standard property policies. Communities near the Russian River, Napa River, low-lying areas, or FEMA flood zones need dedicated flood coverage. We help HOAs understand their flood zone designations and structure programs through NFIP or private flood carriers to protect common areas and shared structures.

Zone-Dependent

Equipment Breakdown Coverage

Covers sudden and accidental breakdown of mechanical and electrical equipment in common areas — elevators, HVAC systems, pool pumps, boilers, generators, and gate systems. Standard property policies exclude mechanical breakdown; this coverage fills that critical gap and can also cover the cost of spoilage from a refrigeration failure in a clubhouse.

Facility Protection

Inland Marine & Personal Property

Covers HOA-owned personal property and equipment that moves or is used away from a fixed location — landscaping equipment, maintenance tools, community event furniture, portable generators, and other moveable assets. Provides broader coverage for property in transit or temporarily located off-site.

Asset Protection

Cyber Liability Insurance

Modern HOAs store sensitive homeowner data, process online dues payments, and communicate digitally. A data breach or ransomware attack exposes the association to significant liability and remediation costs. Cyber liability coverage protects your HOA against data breach notification costs, legal expenses, and cyber extortion — an increasingly relevant risk for community associations.

Emerging Risk

Loss Assessment Coverage Advisory

While this coverage is typically carried by individual homeowners, we educate HOA boards on why recommending loss assessment coverage to their residents matters. When association losses exceed the master policy limits, the shortfall is assessed to homeowners — loss assessment coverage on their individual HO-6 policy bridges that gap, protecting residents and reducing board conflict.

Owner Education

Not sure which coverages your HOA needs? We’ll review your CC&Rs, governing documents, and community profile, then build a program that closes every gap.

Get Your Custom HOA Coverage ReviewGet Your Custom HOA Coverage Review

Where We Serve

Protecting HOA Communities Across Colorado

We serve Homeowners Associations throughout the greater Colorado region.

Englewood

Agency Headquarters

Glendale

Calabasas

Thousand Oaks

Los Angeles

Beverly Hills

Anaheim

Huntington Beach

Riverside

Englewood

Arcadia

Long Beach

Don’t see your city? We serve communities throughout the greater Colorado region — call us to discuss your HOA’s location.

Meet Your HOA Insurance Expert

Zachary Schneiderman

Zachary Schneiderman is the Founder of Johnson Insurance Agency, an insurance agency specializing in personal and commercial risk management for business owners, families, and higher-value households.

Leland believes insurance should be approached with the same level of care, analysis, and guidance as any important financial decision. His advisory approach focuses on identifying exposures, evaluating coverage structures, and helping clients make informed decisions about protecting what they have worked hard to build.

Known for his attention to detail, clear communication, and commitment to client education, Leland works closely with clients to uncover potential coverage gaps, strengthen protection strategies, and provide confidence that their insurance program is aligned with their goals.

At the heart of his philosophy is a simple belief: insurance is ultimately a relationship business. Trust, accessibility, and thoughtful guidance form the foundation of every client relationship, allowing individuals, families, and business owners to make important decisions with greater clarity and confidence.

What HOA Boards Are Saying

Trusted by Colorado Communities

4.9 43 reviews

HOA boards throughout Englewood county trust Johnson Insurance Agency to protect their communities.

Stephen Cluff ★★★★★ 4 months ago
Amazing service and their prices beat everyone hands down. I was with progressive but will never go back.
Juanita Lopez ★★★★★ 6 months ago
Hi, Ms. Jolene takes her time and helps you with your insurance needs. She is caring and kind in her responses and information. She gives you specific information that you need to make choices and decisions. Give her a call she is knowledgeable … More and can guide your insurance needs!
Jason Epstein ★★★★★ a year ago
I've been with Jolene for over 15 years. I had to switch once in order to get a better mortgage rate (long story short). As soon as that was no longer necessary I came running back. Jolene and her team really are the best in the business … More and they genuinely do care. Don't waste your time with anyone else in the insurance world.
Hunter Services ★★★★★ 8 years ago
Best insurance agency, no doubt. The customer service and communication is perfect. I had a headache trying to get a property in the foothills insured, I dealt with a few different companies, all were the typical insurance company that … More doesn’t have time to go out of their way for the average customer. They did a couple inspections, we made minor adjustments and have a better policy than we had with Allstate, who dropped us because their inspectors weren’t even willing to call to arrange a visit to the gated property. Super happy with Jolene and David, they are professional and good at what they do. I’m now getting life insurance through them and I will probably move our vehicles etc to them as well, all due to their impeccable customer service. Thanks! You guys are great!
Stan Fossum ★★★★★ 9 years ago
I have been a customer of the Jolene Johnson Farmers Insurance office for about a year. I do not normally get excited about my relationships with insurance companies. However, during my business ownerships and as a homeowner it is uncommon … More to receive this level of service and personal attention. Both, Jolene and her staff have consistently offered professional advice to my many questions and have gone above and beyond with their efforts to find the right policy conditions. Yesterday, I thought I would make a brief inquiry as to a couple of concerns that I had on a policy renewal, and without an appointment, Jolene spent the best part of an hour working with me to reduce some of those policy renewal costs. It is hard to find this level of commitment to customer service in this digital world that is usually very impersonal, so I was very impressed with her willingness to spend so much time on my concerns. I look forward to a continued relationship with this office.

View More Testimonials

Frequently Asked Questions

HOA Insurance Questions, Answered

Colorado HOA insurance is complex. Here are the questions we hear most often from boards, property managers, and community associations across the Colorado.

Is HOA insurance required by law in Colorado?Jolene Johnson2026-10-30T21:43:00-06:00

Is HOA insurance required by law in Colorado?

Generally, yes. The Colorado Common Interest Ownership Act (CCIOA, C.R.S. 38-33.3-313) requires associations created on or after July 1, 1992 to maintain property insurance on the common elements and commercial general liability insurance, to the extent reasonably available, unless the declaration provides otherwise where the law allows. Many older communities follow the same requirements through their declarations.

Beyond the law, lenders require evidence of proper master coverage, and gaps can prevent owners from selling or refinancing. Boards should also confirm directors and officers (D&O) liability and fidelity or crime coverage are in place.

What is the difference between Bare Walls-In, Single Entry, and All-In Coverage?Jolene Johnson2026-10-30T21:37:20-06:00

What is the difference between Bare Walls-In, Single Entry, and All-In Coverage?

These terms describe how much of the physical structure the HOA’s master property policy covers — and directly impact what individual homeowners need in their own HO-6 policies:

Bare Walls-In: The master policy covers only the building’s structure to the bare drywall — studs, framing, roof, and exterior. Everything inside the unit (flooring, cabinets, fixtures, appliances) is the homeowner’s responsibility. Most common in older associations.

Single Entity (Original Spec): The master policy covers original fixtures, cabinets, flooring, and built-ins as originally installed by the developer. Homeowner upgrades and improvements are the owner’s responsibility.

All-In: The broadest form — the master policy covers everything in the unit including owner improvements and upgrades. Least common, but provides the most protection to homeowners.

Your CC&Rs dictate which type is required. We review your governing documents to ensure your policy structure matches your legal obligations — a mismatch is one of the most common and costly mistakes we find in HOA policies.

Why is HOA insurance so expensive in Colorado right now – and will it get better?Jolene Johnson2026-10-30T22:05:58-06:00

Why is HOA insurance so expensive in Colorado right now – and will it get better?

HOA and condominium insurance in Colorado has been driven up by hail and windstorm losses, wildfire risk, construction cost inflation that has pushed replacement values higher, and the rising cost of reinsurance. Many associations now face higher percentage wind and hail deductibles, roof age restrictions, and tighter underwriting on older buildings.

The market moves in cycles, but the timeline is uncertain. Accurate replacement cost appraisals, roof maintenance records, impact-resistant roofing, and a careful review of your deductible structure all help, and Johnson Insurance Agency can compare coverage from multiple carriers.

What happens if our HOA can’t find insurance or our policy is cancelled?Jolene Johnson2026-10-30T21:43:01-06:00

What happens if our HOA can’t find insurance or our policy is cancelled?

A lapsed or cancelled HOA master policy triggers serious consequences on multiple fronts:

Lender requirements: Mortgages on units in your community typically require HOA coverage. Lenders can force-place coverage at the association’s expense — at rates far higher than market alternatives — or call loans in default.

Sales and refinancing: Homeowners in your community may be unable to sell or refinance their units without evidence of adequate HOA insurance, creating significant board liability.

Personal board member exposure: Operating without required coverage violates your CC&Rs and, for condominiums, may violate the Colorado Common Interest Ownership Act, potentially exposing board members to personal financial liability.

Uninsured losses: Any damage to common areas or third-party claims during an uninsured period falls directly on the association — and ultimately its homeowners through special assessments.

If your current carrier has issued a non-renewal or your policy has been cancelled, contact us immediately. We specialize in finding coverage solutions in difficult market conditions, including specialty admitted and non-admitted (surplus lines) carrier options.

Do HOA board members really need Directors & Officers (D&O) insurance?Jolene Johnson2026-10-30T21:37:22-06:00

Do HOA board members really need Directors & Officers (D&O) insurance?

Yes — and this is one of the most important coverages an HOA board can carry. HOA board members are volunteers making binding decisions on behalf of all homeowners. They can be personally sued for:

Selective enforcement of rules
Financial mismanagement
Discrimination claims
Failure to maintain common areas
Improper denial of modification requests
Breach of fiduciary duty
Employment-related actions involving staff

General liability insurance does NOT cover these claims. It only covers bodily injury and property damage. D&O insurance is specifically designed for claims arising from board decisions and management actions.

Without D&O coverage, a board member’s personal assets — their home, savings, and investments are directly at risk. Recruiting and retaining qualified board volunteers becomes extremely difficult when personal liability is unprotected. Most HOA attorneys strongly recommend D&O coverage as an essential part of every HOA insurance program.

How do I know if our HOA is underinsured – and how often should coverage be reviewed?Jolene Johnson2026-10-30T21:43:02-06:00

How do I know if our HOA is underinsured – and how often should coverage be reviewed?

Underinsurance is the most common problem we find when reviewing HOA policies, and it is usually invisible until a major claim. Warning signs include a replacement cost valuation that hasn’t been updated in two or more years, a policy written without a professional appraisal, an insured value that looks low compared with today’s construction costs, and an agent who doesn’t specialize in community associations.

Construction costs have risen sharply since 2020, so an association that was fully insured a few years ago may now face a coinsurance penalty at claim time. We recommend a coverage review at every renewal and a professional replacement cost appraisal every three to five years.

Call us at 303-768-8130. We offer complimentary coverage reviews for Colorado homeowners and condominium associations.

Ready to Protect Your Community?

Your HOA Deserves Expert Coverages – Not a Best Guess

Don’t wait for a lapse, a claim, or a renewal crisis to find out your coverage has gaps. Let Johnson Insurance Agency build the right program for your community — backed by 20 years of HOA expertise.

Request Your HOA Risk ReviewRequest Your HOA Risk Review