HOA master policy pricing are extremely volatile, and change from year to year based on many factors, most notably weather, fire and liability losses (slip and fall injuries). You as an insured have the opportunity to experience significant savings if you check around annually; However be careful, not all policies are the same, in terms of coverages and benefits. We suggest you get at least two competing quotes; however, do not focus solely on price, but on the balance between price and coverage. We recommend to consult with a licensed agent prior to making your final decision. They are the experts.