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.

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Comprehensive Coverage

One-Stop-Shop For All Needs

A+ Rated Carrier

The Community Associations Package Was Designed For:

Condominium Associations (COAs)
Townhouse Associations
Cooperatives (CO-OPs)
Homeowners Associations (HOAs)
Planned Unit Developments (PUDs)
Master Associations
Office Condominiums

Well-Managed & Maintained

Majority Of Units Owner Occupied

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.

Our Features

- 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 & 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.
- Submit through our Broker Portal
- For more information on the program contact your sales representative
Submission Requirements
- Completed Application
- 3 to 5 years currently valued loss runs
- Copies of Financials and Association Plat

Ready to Submit?

It’s easy. Just go to our online portal and get started. If you haven’t registered as a broker, you’ll need to do that first. And if you need any help, we’re here.

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