Insurance is one of the most complex and fast-changing aspects of HOA management. In this episode of The Uncommon Area, host Matthew Holbrook talks with Jonathan Naranjo of Liberty Naranjo about the biggest insurance challenges communities face today and what boards can do to prepare.

They discuss why HOA insurance premiums are rising, how to identify and reduce risk factors, and what boards should know about the difference between admitted and non-admitted carriers. Jonathan also shares practical tips for improving board communication, increasing transparency with homeowners, and planning ahead to protect both property and finances.

If you serve on an HOA board or manage a community, this episode will help you make sense of insurance, navigate coverage options, and make smarter, more confident decisions.

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