Condo & HOA Insurance
Comprehensive insurance solutions for condominium associations and homeowners associations in California
Protecting Your Community Association
Condominium associations and homeowners associations face unique insurance needs. From common area property damage to board member liability, we provide comprehensive coverage tailored to protect your community and its assets.
Condominium Associations
Coverage for common areas, building structures, shared amenities, and association liability. Protects the master policy requirements and fills gaps in individual unit owner policies.
Homeowners Associations
Protection for common areas, recreational facilities, landscaping, and association operations. Includes liability coverage for board decisions and community management activities.
Our Expertise: We specialize in community association insurance and understand California's unique requirements including earthquake coverage, wildfire protection, and compliance with Civil Code requirements. Our team works with carriers who understand HOA and condo association needs.
Essential Coverage for Community Associations
Comprehensive protection for your association and its members
Property Insurance
Covers buildings, common areas, amenities, and association-owned property against fire, theft, vandalism, and natural disasters. Includes replacement cost coverage for structures.
General Liability
Protects against third-party bodily injury and property damage claims occurring in common areas, including slip and falls, pool accidents, and other incidents on association property.
Directors & Officers (D&O)
Protects board members and officers from personal liability for decisions made on behalf of the association, including employment practices and governance disputes.
Fidelity Bond
Protects against theft or embezzlement of association funds by board members, officers, employees, or management company personnel. Required by most governing documents.
Earthquake Coverage
Essential protection for California associations against earthquake damage to buildings and common areas. Available through specialized earthquake insurance programs.
Umbrella Liability
Additional liability protection above your primary general liability limits, providing extra coverage for catastrophic claims and lawsuits.
Why Choose Us for Your Association Insurance
We specialize in community association insurance and understand the unique challenges HOAs and condo associations face:
Expert knowledge of California Civil Code requirements
Specialized carriers for community associations
Competitive rates for all association sizes
Fast certificate issuance for lender requirements
Dedicated support for board members and management
Experience with earthquake and wildfire coverage
Common Claim Scenarios
Real situations where proper insurance coverage protects your association
Water Damage to Multiple Units
Pipe burst in common area causes water damage to multiple units. Property insurance covers repairs to common areas and building structure, while unit owners' policies cover interior damage.
Slip and Fall in Common Area
Resident slips on wet pool deck and sustains injuries, filing lawsuit against the association. General liability covers medical expenses and legal defense costs.
Board Member Lawsuit
Homeowner sues board members personally over enforcement decision. D&O insurance covers legal defense and protects board members' personal assets from the lawsuit.
Embezzlement of Association Funds
Management company employee embezzles association funds over several months. Fidelity bond coverage reimburses the association for stolen funds up to policy limits.
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Get comprehensive insurance coverage tailored to your condominium or homeowners association. Fast quotes and expert guidance for California community associations.
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