California homeowners are getting blindsided by soaring HOA insurance costs—but what’s actually driving this crisis? In this episode of HOA HELL, attorney Michael Kushner breaks it down: the real reasons behind exploding premiums, how it's impacting HOAs statewide.
What You’ll Learn in this Episode
✅ The real causes behind soaring HOA insurance premiums: Wildfires, insurer exits, and a strangling regulatory environment—Michael Kushner explains why California’s insurance market is collapsing and how HOAs are getting caught in the fallout.
✅ How rising premiums are quietly destroying HOAs: Boards are scrambling, dues are spiking, coverage is shrinking, and lenders are walking away from underinsured properties—learn the four concrete ways this crisis impacts you.
✅ What the California FAIR Plan actually offers: The FAIR Plan now includes HOAs—but only partially. Learn what’s covered, what isn’t, and why relying on it could cost your HOA (and you) even more.
✅ Six things your HOA should be doing right now: From competitive bidding to proper reserve funding, discover the specific actions your board must take before hitting owners with another surprise assessment.
🔍 Read Michael Kushner’s article that inspired this episode:
https://mbkchapman.com/blog/rising-insurance-costs-on-california-hoas/
🔍 You can also read another of Michael Kushner’s articles on Reserve Studies, which you’ll find here: https://mbkchapman.com/blog/davis_stirling_reserve_study_requirements/.
🌐 🔔 Subscribe for More: If you want to learn how to hold your HOA accountable and protect your property’s value, subscribe to HOA HELL and turn on notifications.
📞Want to talk to an attorney at MBK Chapman? Contact us at www.mbkchapman.com. Let us know that you heard about us from the podcast, HOA HELL.
Disclaimer: This content constitutes attorney advertising. The content of this podcast is for general informational purposes only and does not constitute legal advice. No attorney-client relationship is created by listening to this podcast, submitting a question, or receiving a response. Always consult with a licensed attorney regarding your specific legal situation. MBK Chapman and Michael Kushner disclaim any liability for actions taken or not taken based on the information provided in this podcast. This communication does not constitute a guarantee, warranty, or prediction regarding the outcome of your legal matter.
About: Michael Kushner is the attorney who pioneered this niche area of the law—representing homeowners in disputes with their HOAs—in California. He created and taught the systems now used by the biggest law firms in the state focused on HOA litigation. Through his firm, MBK Chapman, and now through HOA HELL, Kushner continues to give homeowners practical legal tools to fight back and hold their HOAs accountable.
🔥 HOA Hell
When your HOA goes rogue, we go to war.
California’s top HOA attorney shares real legal tools to help homeowners fight back—and win.
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