August 7th, 2026
If your homeowners association recently received its annual insurance renewal and experienced a significant
premium increase, you are certainly not alone.
Across California, community associations are facing some of the most challenging insurance conditions seen
in decades. Many Boards of Directors are opening renewal proposals only to find premium increases of 25%, 50%,
or even more. Others are learning that their long-time insurance carrier has decided not to renew their policy at all.
Naturally, homeowners often ask:
- Why did our insurance increase so much?
- Has our community become a higher risk?
- Did the Board do something wrong?
- Can we simply shop around for a better price?
While every community is different, the answer is usually much broader than the circumstances of any one association.
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July 31st, 2026
For more than 60 years, Lordon Management has worked alongside California community associations through changing markets,
evolving laws, natural disasters, and economic challenges. One issue that has affected nearly every homeowners association
in recent years is the dramatic increase in insurance premiums.
Many boards and homeowners understandably ask:
- Why are our insurance costs increasing so dramatically?
- Why is our deductible so much higher?
- Why are insurance companies refusing to renew coverage?
- Is our community doing something wrong?
The answer, in most cases, is no. These increases are part of a much larger insurance market that is affecting community associations throughout California.
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