7310 Manchaca Road, #151703, Austin, TX 78745

Intelligent Capital Reserve Group

Building financially strong communities by helping HOA and condo boards optimize how they allocate community capital.

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ICRG provides commercial insurance and capital reserve saving services designed to protect and grow association assets and enhance capital efficiency. Leveraging deep industry expertise and a disciplined, systematic approach, we simplify complex decisions for board members and implement the board's decisions end‑to‑end—so you can act with clarity, confidence, and turn‑key execution.

Welcome to ICRG

Intelligent Capital Reserve Group, (ICRG) is an insurance agency that specializes in services for community associations, developers, and construction companies. Associations are our primary customer. 

Our unique value proposition offers convenient time-saving services that streamline the insurance, reserve planning, and capital savings responsibilities of association boards. We also work with developers, pre-transition.

We know how to navigate the challenges association boards face when it comes to handling your association’s most important financial decisions like insurance and what to do with  reserve fund savings. Experience has taught us the best ways to successfully meet these challenges, and we share those best practices with our community clients. 

Beyond insurance, our end-to-end services empower board members with tailored guidance and ready-to-implement savings solutions delivered directly to your board meetings. While our administrative services and reserve study management tools deliver unparalleled efficiency that allow you to address your community’s financial service needs in just a few decisions.

We deliver what board members need most: helpful tools and actionable solutions

Who We Serve

Homeowners Associations

Condo Associations

Master Plan Developments

Garden and Townhome Associations

Real Estate Developers

High Rise Developers

Construction Companies

Golf Courses

Our Association Offerings

Solutions to the problems of every association.

Administrative Support

Back‑office policy administration and document processing services—ensuring operational continuity, compliance, and efficient execution.
By managing essential administrative tasks, we ensure that boards can focus on governance and community well-being rather than getting bogged down in operational details. From accurate record-keeping to compliance oversight, ICRG acts as a trusted partner in maintaining transparency and accountability.
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Dedicated Agent Guidance & Support

A dedicated Agent acts as an extension of your board—focused solely on financial efficiency and improved capital deployment.

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Imagine having a dedicated financial expert embedded alongside your board—someone who knows your association's history, understands your expenses, and is always ready to provide clear, actionable insights. A consistent point of contact for all your inquiries, no fragmented communication, no more repeating your story to a new contact every time you have a question. Just consistent, personalized support that saves time and drives smarter decisions.
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Reserve Study Planner Application

ICRG's proprietary reserve study tracking application brings together expenses and savings into a single hub
ICRG's proprietary reserve study software lets board members monitor their association's financial health by tracking reserve replacement expenses and long-term savings in a single viewpoint.
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Insurance Quoting

Every community association has both predictable risks and blind spots. ICRG covers them all.
Our insurance expertise spans across all association needs and the unique exposures others overlook, giving your board complete confidence in your coverage.
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Strategic Savings Programs

Elevate the return on your association’s long-term capital with a principal secured savings program.
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Reserve Study & Account Level Reports

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Dedicated Support

Imagine having a dedicated financial expert embedded alongside your board—someone who knows your association's history, understands your expenses, and is always ready to provide clear, actionable insights. A consistent point of contact for all your inquiries, no fragmented communication, no more repeating your story to a new contact every time you have a question. Just consistent, personalized support that saves time and drives smarter decisions. Our Dedicated Agent Service acts like an extension of your board—focused solely on financial efficiency. This isn’t just support; it’s strategic partnership. Your agent becomes a trusted point of contact who ensures every inquiry is handled with context, precision, and speed. Think of it as adding a board member whose only job is to keep your financial house in order—streamlining important decisions, organizing documentation, and proactively identifying opportunities and risks. The result? Faster decisionsewer errors Greater confidence in your financial operations Let your board focus on vision and leadership. We’ll handle the details.

Reserve Study &
Account Level Reports

Receive or print, a consolidated statement of your association's accounts directly in your inbox each month, providing timely updates for both board members and property managers. This service is a standard offering from ICRG.

Reserve Study
Analysis Tools

ICRG's proprietary reserve study software lets board members monitor their association's financial health by tracking reserve replacement expenses and long-term savings in a single viewpoint. Improve your financial decisions with customizable features that generate visual records and reports with capabilities to update your data without hiring an engineer. Take Control of Your Association's Financial Future – Without the Guesswork Stop wondering if your association has enough money set aside for that roof replacement or HVAC overhaul. As a board member, you shouldn't have to be a financial expert or hire expensive consultants every time you need to understand your reserve position. You need clarity, confidence, and control over your association's long-term financial health. See Your Complete Financial Picture at a Glance ICRG's reserve study software puts everything you need in one clear, easy-to-understand dashboard. Instead of juggling spreadsheets and struggling to connect the dots between current reserves and future expenses, you'll instantly see: Where your money is going – Track every reserve expense with crystal clarity How much you're actually saving – Watch your long-term savings grow over time What's coming next – Anticipate major expenses before they become financial emergencies Make Smarter Decisions with Confidence No more flying blind on reserve fund decisions. Our customizable features transform complex financial data into clear visual reports that tell the real story of your association's financial health. You'll finally have the insights you need to: Justify assessment increases with concrete data Plan major projects years in advance Avoid special assessments that anger homeowners Present financial information that board members actually understand Save Time and Money on Every Update Here's the best part: You can update your reserve study data yourself – no engineer required. That means no more waiting weeks for updates, no more paying consultant fees for simple changes, and no more outdated information driving your decisions. Your association's financial future is too important to leave to guesswork. Take control with software designed specifically for board members who want clear answers, not confusing spreadsheets. Ready to see what financial clarity looks like for your association?

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Strategic Saving

Association boards face a critical challenge: making every dollar work harder without compromising financial security. ICRG specializes in turning dormant reserves into revenue-generating assets through strategic savings programs designed specifically for associations. Our customized approach ensures your funds remain secure while delivering maximum returns, giving your organization the financial foundation it needs to thrive.

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Comprehensive Insurance Coverage Reviews

Every community association has both predictable risks and blind spots. ICRG covers them all. Our insurance expertise spans standard association needs and the unique exposures others overlook, giving your board complete confidence in your coverage.

Cloud-Based File Management

Managing records can be a challenging task, so we streamline the process for you. With our cloud-based storage solutions, your board can easily access and review documents and prior decisions in a single, collaborative space.

Construction & Developer Offerings

ICRG proudly supports the visionary businesses that build and support America’s community associations.  Construction and development companies can find a broad selection of professional coverage options for each stage of the development process, from insuring raw land pre-development, through the finished project, and on to insure the association after the board transition. ICRG is a turn-key insurance platform with personalized agent services, designed to keep America’s construction industry building. 

Builders Risk Insurance

Our builders risk insurance provides extensive coverage options tailored to your needs through a trusted network.

Construction

Specialty Construction Insurance

Our specialized construction insurance offers robust protection, ensuring your project is safeguarded against potential setbacks.

Equipment Insurance

Protect your essential machinery with our comprehensive equipment insurance designed to cover unexpected damages.

In-Depth Property Insurance

Our property insurance ensures that your assets are well protected against any unforeseen circumstances.

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Transit and Shipping Insurance

Moving equipment and materials to the jobsite pose significant risks for construction companies. We'have coverage lines to protect your load in transit and from theft in transit, covering your shipments at every stage.

Golf Course Insurance

We provide dedicated coverage tailored for golf course businesses.

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INTELLIGENT CAPITAL RESERVE GROUP

Insurance and business services for community associations, developers, construction companies.

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