Housing Partnership Insurance Exchange (HPIEx)

Built to deliver stability, clarity, and control for affordable housing organizations, Housing Partnership Insurance Exchange (HPIEx) is a transparent, insurance program available only to nonprofits that are part of the Housing Partnership Network.

HPIEx works with members to deliver safe homes for tenants and safe and supportive work environments for employees. Each solution is designed to protect your mission while prioritizing accountability and long-term value.

Founded in 2004 by nonprofit housing developers, HPIEx was created to address skyrocketing premiums and canceled coverage after September 11, even for organizations with excellent loss histories.

Rather than accept volatile pricing and limited options, members came together to build something better: an insurance solution owned and governed by its members, designed to deliver stability, transparency, and control.

• Protect What Matters Most — Superior property and liability coverage tailored to affordable housing
• Prevent Loss Before It Happens — Customized risk control services to reduce claims, safeguard assets, and minimize tenant displacement
• Predictable Premiums, No Surprises — Stable pricing with estimates available four months before renewal
• Invest in Impact, Not Rising Costs — Predictable premiums free resources for housing and services instead of year-over-year increases.
• Your Voice, Your Control — Member governance ensures long-term stability and strategic oversight
• Benchmark for Better Performance — Individual underwriting with peer comparisons to drive accountability
• Shared Success, Real Returns — Annual dividends distributed back to owner-members

The strength of HPIEx provides stability for affordable housing organizations to have a reliable insurance program working for their best interest.

HPN serves as general manager and part owner, overseeing relationships with brokers, carriers, claims managers, and actuaries. Over time, HPIEx has returned annual dividends to its owner-members, proving that collaboration creates lasting value.