Community Associations Package Insurance

Comprehensive coverage. Competitive pricing. Domain expertise.

Not sure if this is the right program?

Select a program to check coverage in your area.

Please select a category.

Please enter a zip code.


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.


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

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 Ohio Tennessee
California* North Carolina Oregon Utah
Colorado** New Jersey Pennsylvania Virginia
Connecticut Nevada South Carolina Washington

*Only available for PUD/HOA w/o habitational property types

**Only available for select brokers

  • Valuation condition - Extended Replacement Cost equals 125% of Building Value
  • 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

Coverages may be different in CA and VA. Contact your underwriter and / or review your quote documents for actual coverage provided.

  • Completed Application
  • 3 to 5 years currently valued loss runs
  • Copies of Financials and Association Plat
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.