Homeowner Associations

We can run the entire gamut when it comes to protecting communities. From General Liability to Earthquake, Flood, Owners and Renters

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Hightlights

HOA Officers

Also known as D&O insurance, this coverage is designed to protect the personal assets of your board of directors from lawsuits related to the management of the company.

Genneral Liability

A fundamental component of an HOA master insurance policy, protecting the association from claims of bodily injury, property damage, and personal injury that occur in the common areas or result from the HOA's operations.

Crime

Crime Fidelity Bonds typically cover losses from various dishonest acts including Employee/Board Member Theft, Forgery or Alteration, Funds Transfer Fraud, Computer Fraud Inside/Outside the Premises, Social Engineering Fraud: Deceiving employees into transferring money to a criminal actor.

Owner and Renter

In addition to coverage for the property governed by the HOA, we can also offer your residents and leases tailed coverage for their property.

General

Liability & Management Protection

Property Managers, Club Members, and Community Board Meetings are named as Additional Insured on General Liability.
Directors & Officers (D&O) Liability includes additional insured status for property managers.
High-level Umbrella Liability limits available (up to and exceeding $25,000,000), extending over both General Liability and D&O.
Excess Liability coverage is included within the package policy.

Fidelity & Crime Coverage

Fidelity Bond Coverage provided on an Actual Loss Sustained basis.
Property Management companies are named as Additional Insured on the Fidelity Bond.

Property & Casualty Features

Special Form / All-Risk coverage on buildings, contents, business income, and extra expense.
Guaranteed Replacement Cost for property.
Blanket Property Limits are available.
Landscape Coverage included under the vandalism peril.

Coverage For Property Owners and Renters

Property (HO3 and HO6) Coverage
Renter Insurance
Wild Fire Risk Coverage

Available Riders & Endorsement Coverages

Cyber Insurance
Environmental Impairment Liability (EIL).
Back-up of Sewer and Drain (starting at $25,000).
Valuable Papers Coverage (starting at $10,000).
Accounts Receivable Coverage (starting at $10,000).
Pollutant Clean-up and Removal (starting at $10,000).
Coverage for Community Events.
Earthquake Coverage available with low minimum premiums.
Specialized options for Master Planned Communities.