About HOA Bonds
HOA Bonds helps HOA and condominium boards research, prepare for, and purchase hoa & condo association fidelity bonds.
Bond guidance
Find state resources, coverage questions to consider, and a path to apply for a bond.
Research requirements and prepare to apply.
HOA and condominium boards may need a fidelity bond under state law or their governing documents. This site brings together state guides, bond information, and purchase options to help with that work.
Start with your state guide, then compare the stated requirements with your association's governing documents. Use the calculator, where available, to explore the published state formula before applying.
Operated by The Southern Agency
HOA Bonds is operated by The Southern Agency, a licensed insurance agency. The site pairs educational resources with agency contact information for questions about HOA and condominium association fidelity coverage.
If you have questions about a listed option or application, contact the agency for help.
State guides and calculators
State guides link directly to legislative and regulatory sources. Calculators use the formulas, minimums, maximums, and exceptions in supported state rules.
Plan your next step
- Review state requirements and minimum limits.
- Estimate an amount using a state-specific calculator, when available.
- Contact licensed agents with questions before applying.
How applications work
Selecting a listed bond option opens an application and purchase flow with Bond Titan. The provider confirms eligibility, terms, limits, and final bond wording.
Visit Bond Titan