We shop your insurance for you. It costs you nothing.
Through our Renewflo partnership, NeighborLink Shield handles the risk-management work most communities never get: tracking renewal dates, shopping your coverage across carriers, and closing the gaps - at no cost to you. Communities managed by NeighborLink get this automatically. Everyone else can start right here.
Three quick steps - your package routes straight to our Renewflo partner team. Response within 3 business days.
Five pillars of community protection
Coverage & renewals
Every policy tracked, renewals shopped across carriers before they lapse - via Renewflo, at no cost to the community.
Governance records
Minutes, votes and decisions documented and retrievable - the paper trail that protects boards.
Even-handed enforcement
Violations documented consistently, so enforcement is defensible and fair.
Vendor compliance
Licenses and COIs verified before any vendor touches your property - no uninsured work, ever.
Dispute-ready audit trails
Every report, fix and rating timestamped - when a dispute comes, the record already exists.
Managed by NeighborLink?
Shield runs automatically at the community level - nothing to upload, nothing to remember.
Get a QuoteThe four insurance lanes in community living
Association (master policy)
Property, general liability, D&O, umbrella, fidelity/crime. What it covers depends on your governing documents - bare-walls vs. all-in matters enormously to every owner.
Homeowners (HO-6 / HO-3)
Unit interiors, personal property, liability, loss assessment (the coverage most owners don’t know they need) and betterments & improvements for upgraded finishes.
Renters (HO-4)
Personal property, liability and loss-of-use - covers temporary housing if the unit becomes uninhabitable. Often required by governing documents or lease.
Vendors (COI)
General liability, workers comp and auto where applicable - verified before dispatch through our vendor compliance program.
Three steps to a free insurance review
Answer a few questions and we package everything for our Renewflo partner team. You’ll hear back within 3 business days.
Insurance requirements, answered
What does the association’s master policy actually cover?
Only what your governing documents and state law define - commonly the structure and common elements. Under a “bare walls” model, your unit’s interior is on your policy; under “all-in,” original finishes are covered but your upgrades are not. Check the declarations page - or send it to us and we’ll translate it.
What is loss assessment coverage and do I need it?
If a loss exceeds the association’s master policy limits, the shortfall can be specially assessed across all owners. Loss assessment coverage on your HO-6 pays your share, and we generally suggest owners carry a meaningful limit. It’s inexpensive and chronically overlooked.
Who pays for my hotel if my unit floods?
Your own policy’s loss-of-use coverage - not the association and not the management company. Same for pack-out, storage and moving costs. This is the single most common post-loss surprise in condo living.
I upgraded my kitchen. Is it covered?
Upgrades above original construction (betterments & improvements) are yours to insure on your HO-6 - the master policy covers original standard only. Review your B&I limit annually against replacement costs.
What insurance do tenants in an HOA need?
Renter’s insurance (HO-4) covering personal property, liability and loss of use - commonly required by governing documents or lease. The unit owner typically remains responsible for verifying compliance.
What insurance do vendors need to work in a community?
General liability at appropriate limits, workers compensation, and auto coverage where applicable, with the association named as certificate holder or additional insured as required. NeighborLink verifies COIs before dispatch.
Is NeighborLink an insurance agent?
No. We are not a licensed insurance agent or broker. NeighborLink Shield provides information, coordination and warm referrals to licensed professionals through our Renewflo partnership, and we may receive referral compensation, which we disclose. Coverage decisions belong with you and a licensed pro.
Send us what you have. We’ll find what’s missing.
Attach your current declarations pages - association, homeowners, renters or vendor - and our partner team takes it from there. Free.