AHRMA has been in operation for over 20 years and is the first not-for-profit housing authority risk pool in the United States. The AHRMA staff specializes in understanding and dealing with the risks faced by housing authorities. All marketing, underwriting, risk management, loss control, claims and other administrative services are handled by in-house professionals with over 100 years combined experience. The AHRMA Board of Directors is comprised of housing authority employees who are elected by its members ensuring that member needs are not only met, but fully satisfied.

AHRMA is regulated by the U.S. Department of Housing and Urban Development (HUD) eliminating the need for members to solicit additional annual insurance bids. This both saves valuable time for members and ensures the high quality coverage they receive. Traditional carriers have expenses that AHRMA doesn't such as taxes, stock dividends and broker commissions. Because AHRMA is a tax-exempt not-for-profit organization and pays no broker commissions, it typically saves housing authorities 20 to 30% on their insurance premiums.