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. Get Your Bond walks you through coverage questions and term selection before directing you to the available checkout or application.
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 guided bond purchases
State guides link directly to legislative and regulatory sources. Coverage questions in Get Your Bond use the formulas, minimums, maximums, and exceptions in supported state rules.
Plan your next step
- Review state requirements and minimum limits.
- Answer coverage questions in Get Your Bond to estimate an amount when the state rule provides one.
- Contact licensed agents with questions before applying.
How applications work
Select your state and calculate a positive coverage amount before reviewing available terms or continuing to an external application. The destination provider confirms eligibility, terms, limits, and final bond wording.
Review state requirements