Insurance for homeowners associations.

Liability for the common areas, property for the clubhouse and amenities, and directors and officers for the volunteer board, for planned communities where each owner insures their own home.

Start a property quote

Already insured? Get a free Gap Report on the policy you have.

What homeowners associations usually carry

General liability, $1M / $2M
Directors and officers
Clubhouse and amenity property
Crime and fidelity
Umbrella
Hired and non-owned auto

Watch for these in an HOA policy

Ponds and lakesRetention ponds, lakes, and docks are a drowning exposure. Carriers ask about fencing, signs, and whether swimming or boating is allowed.
Unguarded poolsPools without a lifeguard draw the hardest underwriting questions: fencing, self-closing gates, posted rules, and depth markings.
Accommodation requestsA denied request for a service animal or a ramp can become a fair housing claim. Check that your D&O covers discrimination claims and their legal fees.
Volunteers who driveHired and non-owned auto protects the association when a volunteer or employee crashes while driving on its business. Their own auto policy pays first.
Gates and private roadsAutomatic gates that close on cars and roads the association maintains both lead to claims. List them so the policy is rated for them.

What managers and lenders ask homeowners associations for

Manager as insuredManagement companies ask to be covered under your D&O and liability while acting for the association.
Fidelity that reaches the managerCrime coverage that includes the management company’s employees who handle your dues.
Evidence for home loansLenders on homes in the community may ask for the association’s liability and fidelity certificates.
UmbrellaManagers often recommend $2M to $5M over the primary limits when the community has pools, ponds, or private roads.

Questions homeowners associations ask

Straight answers.

The questions we hear most, answered plainly.

Does the HOA policy cover my house?

No. In most planned communities each owner insures their own home. The association insures the common areas, the clubhouse and amenities, and the board.