Homeowners Association Insurance
Protection for the places your community shares—and the people who help manage them.
From condominium associations to planned communities, we can help board members and property managers review the insurance needs of their association and compare available options.
Coverage designed around your association
An HOA master policy may address association-owned buildings, common areas, and shared responsibilities. The right approach depends on the community’s governing documents, property details, exposures, and the coverage available from insurers. We help you understand what the association may need—and where individual owners should review their own policies.
Shared buildings deserve a closer look
A condominium complex or planned community can include building structures, walkways, shared spaces, and improvements with different responsibilities. We can help your board review building values and the master policy alongside governing documents.
Looking at a separately owned or leased property? Explore our building insurance options.
Key coverage areas to review
Property & common areas
Review building replacement values, shared structures, amenities, and common-property deductibles in the association’s master policy.
General & umbrella liability
Consider claims involving common spaces and whether additional liability limits fit the association’s exposures.
Directors & officers liability
Help protect board decision-makers against covered claims arising from their association duties, subject to policy terms.
Workers’ compensation
Discuss coverage for association employees, if any, and review how contractor and vendor exposures are handled.
Cyber & crime
Ask about options for funds transfer, association records, and digital risks where relevant and available.
Earthquake & flood
Standard property policies may not address these events. Explore separate policies or endorsements when appropriate and available.
A practical review for board members & managers
We start with your current master policy, community details, and governing documents. Then we can discuss replacement values, deductibles, loss history, and the coverage gaps or questions that matter to your board. Our goal is a clear discussion of available options—not assumptions about what every association needs.
Common questions
Does an HOA policy cover a homeowner’s belongings? Usually, an association master policy is not a substitute for an individual unit owner’s policy. The boundary between the two depends on the master policy and governing documents.
Do we need a certificate of insurance? If a lender, vendor, or other party requests proof of coverage, contact our office with the certificate holder details. A certificate reports coverage in force; it does not amend the policy.
Let’s review your association’s coverage
Tell us about your community and what your board needs help evaluating. We’ll follow up to discuss your next steps.