Community Associations Package Insurance

Comprehensive coverage. Competitive pricing. Domain expertise.

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All the Coverage your Clients need


Property and General Liability coverage designed by real estate insurance veterans.

We deliver a unique solution for your community association clients. Combine it with our D&O, Crime, and Umbrella.

Competitive and comprehensive with superior claims handling.



For HOA/PUD associations that are not responsible for insuring habitational buildings, please submit via our portal.

  • Submit using our user-friendly Broker Portal
  • 24-48 hour turnaround
  • Competitive commission


If your association is responsible for insuring habitational/ residential buildings, click HERE

  • One-Stop-Shop for all coverage needs
  • Expert underwriting. Superior claims service.
  • Competitive commission
Builder’s Risk – Outdated

Comprehensive Coverage

Hotel Liability Insurance

One-Stop-Shop for all Association Needs


A Rated Carrier

The Community Associations Package was designed for:


Well-Managed & Maintained

Express Real Estate Umbrella

Majority Of Units Owner Occupied

Express Real Estate Umbrella

Up to 500 Units

Comprehensive Coverage.

The Distinguished Community Associations Package combines Property and General Liability including broad building and insured definition. Moreover, many community structures are automatically included.

Easy Submission Process.

With an easy application process, our expert underwriting team is there to support and guide you every step of the way.

Industry Leading Expertise.

We've been serving community associations almost as long as they've been around. You'll be able to rely on our experience and expertise to build your specialization and win accounts in this market.

Superior Claims Service.

We know from our brokers just how important and valuable a dedicated and expert claims management team is for both you and your clients. When it counts, we are there.


  • Broad building definition
  • Broad definition of insured
  • Many community structures automatically included
  • Easier to submit – no more CCRs required for submission

Eligible Property Types

  • Condominium Associations (COAs)
  • Townhouse Associations (HOAs)
  • Cooperatives (CO-OPs)
  • Homeowners Associations (HOA w/o habitational) & Planned Unit Developments (PUDs)
  • Master Associations
  • Office Condominiums

Eligible States 

This program is available in the following states:

Arizona Maryland New Jersey South Carolina
California Massachusetts Nevada Utah
Colorado* Michigan Ohio Virginia
Connecticut North Carolina Oregon Washington
Delaware New Hampshire Pennsylvania Washington, D.C.

*Only available for select brokers

  • Valuation condition is Guaranteed Replacement Cost coverage
  • Insuring agreement follows what is required by the association’s CC&Rs
  • Defense for third-party breach of contract claims
  • Additional Insured - by contract automatically included
  • Additional Insured - Manager or Lessor of Premises automatically included
  • Mental injury, mental anguish, humiliation or shock included under bodily injury
  • Coverage for Employee Theft
  • Loss of Maintenance Fees is Actual Loss Sustained
  • Pollutant Clean Up $50,000
  • Water Backup of Sewers or Drains $100,000
  • Special Form
  • Ordinance or Law coverage A at full limit, coverage B&C 25% of Building Limit/Maximum $1M
  • Basic AOP deductible of $2,500 with additional options available
  • Completed Application
  • 3 to 5 years currently valued loss runs
  • Copies of Financials and Association Plat, (CCRs needed at binding)
  • Will not quote subject to Loss Runs!
Ready To

If you haven't registered as a broker, you'll need to do that first. And if you need any help, we're here.


Express Community Associations Umbrella Insurance

Enjoy the ease of a ready-built Express Community Associations umbrella.

Community Associations Package Insurance

Provide your clients with optimal coverage and exceptional service.

Community Associations Crime Insurance

Protect your Community Associations clients from financial crimes.

Community Associations Directors & Officers Insurance

Get not-for-profit volunteer board members the protection they need.

City Insurance and Community Assoc Package Comparison Chart

Community Association Package HOA & PUD

HOAs and PUDs requiring coverage for association common area property only.