Homeowners Association Insurance

Protect the Properties You Manage. Safeguard the Community You Serve.

Homeowners association insurance that protects shared property, common areas, and board members from liability and unexpected losses.

Protect your community and the people who call it home.

As a homeowners association (HOA), your responsibility goes far beyond keeping common areas clean and landscaping neat you’re tasked with protecting shared property, ensuring resident safety, and supporting the smooth operation of your community. Without the right insurance in place, one accident, lawsuit, or property loss could put your HOA’s finances and your residents’ trust at risk.

The Unique Risks You Face

HOAs manage multiple responsibilities that come with serious exposures:

  • Injuries in common areas. A visitor trips on a walkway in the clubhouse area and requires medical attention.

  • Property damage to shared structures. Storm damage to HOA-owned buildings like clubhouses, gyms, or pool facilities.

  • Board member liability. Allegations of mismanagement, discrimination, or wrongful decisions against your board.

  • Theft or fraud. Crimes committed by employees, board members, or outside parties.

  • Cyber breaches. Stolen personal data from residents or members stored in HOA systems.

Coverage That Fits Your Needs

A well-designed homeowners association insurance plan can protect your community from these risks. Common coverages include:

  • HOA Master Policy – Covers property damage and liability claims related to common areas and shared structures.

  • Commercial Property Insurance – Protects HOA-owned buildings and facilities (but not residents’ personal belongings).

  • General Liability Insurance – Covers injury or property damage claims from residents or visitors.

  • Directors & Officers (D&O) Liability – Protects board members’ personal assets in lawsuits related to decisions they make.

  • Crime Insurance – Helps cover losses from theft, fraud, or embezzlement.

  • Workers’ Compensation Insurance – Covers employees who are injured while performing HOA duties.

  • Cyber Liability Insurance – Protects against data breaches and cybercrime involving HOA information.

  • Social Host Liability Insurance – Covers liability claims from events hosted in HOA-owned spaces.

Why It Matters

Your residents depend on you to maintain and protect the spaces they share. Without adequate coverage, one lawsuit, natural disaster, or dishonest act could strain your finances, damage your reputation, and create lasting conflict in your community. The right insurance plan helps your HOA weather unexpected challenges and continue operating smoothly.

Protect your community’s future.
Let’s build a coverage plan tailored to your HOA’s unique needs so you can keep your neighborhood safe, thriving, and worry-free.

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