HOAs & Community Associations

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HOAs and Community Associations


Protecting your homeowner’s association or condo association can be difficult in today’s environment. We can help provide comprehensive property and liability policies that meet the requirements of your specific association while also remaining compliant with regulatory authorities in the state you reside in.

What’s covered?


It’s important you have a policy that provides the following core coverages:

  • Special causes of loss: including but not limited to fire, wind, hail, lightning, earthquake, vandalism, water damage, and sewer backup
  • Outdoor Property: including fences, pools, playground equipment, outdoor pool, trees, lawns, retaining walls, and other property not attached to the buildings
  • Liability coverage
  • Directors and Officers Coverage
  • Liability extensions for property or real estate managers
  • Ordinance and Law Coverage

It’s also important to understand deductibles. So often we meet clients that didn’t have policy deductibles properly explained and then they experienced a loss and learned their deductible was much higher than they were aware.

It’s our job to help inform you and guide you through the policy quoting and issuance process. We are here to help provide coverage tailored to meet the needs of your unique HOA, as well as offer advice to help the HOA and residents of the community be as well covered as possible.

Why We’re Different


While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you.


After all, there’s no such thing as a one-size fits all insurance policy when it comes to your business.


Contact us today, and we’ll help you protect what matters most.