Jessica Knutsen, Charlotte Allen, and Brendan Bunn discuss insurance premiums during CAI's Community Association Law Seminar in Las Vegas in February.

Over the past year, most of the country has felt the effects of a hardened insurance market. Community associations are seeing fewer insurance options, experiencing more scrutiny regarding what insurance companies will write, and getting forced to find coverage more often in the surplus lines market. As community associations look at their insurance premiums and consider renewal, experts recommend seven steps for finding the best coverage.

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