Affordable insurance starts with an easy quote
HOA & Condo Association Insurance (also called a Master Policy) is essential protection for community associations. Unlike individual unit owner policies, the master policy protects common areas, shared structures, and the association’s board members from the unique liabilities of community governance.
Most HOA boards assume their master policy covers everything—until a claim reveals dangerous gaps. The reality? Common area injuries, board decision lawsuits, and natural disasters can generate claims that exceed $500,000. When the master policy falls short, the association levies a special assessment on all owners. According to industry data, the average D&O (Directors & Officers) lawsuit against an HOA settles for $30,000 – $100,000+—before legal fees. Proper master policy coverage protects the community’s assets and prevents devastating assessments. Individual condo owners: your HOA’s master policy does NOT cover your personal belongings or interior improvements—you need your own condo insurance (HO-6 policy) to fill those gaps.
A “one-size-fits-all” policy doesn’t work because a high-rise condo building faces different risks than a single-family HOA or a townhome community. We match your specific community type and risk profile with the carrier that protects it best. Select your association type below to instantly start a custom quote built for your community.
Multi-unit buildings need comprehensive coverage for shared structures and high-value common areas.
Common Examples
Urban condo towers, Beach condos, Downtown lofts, Senior living condos
Neighborhood associations need protection for common areas, amenities, and board governance liabilities.
Common Examples
Master-planned communities, Golf course neighborhoods, 55+ communities
Shared-wall properties create unique liability exposure where damage easily spreads between units.
Common Examples
New townhome developments, Urban rowhouses, Attached villas
| Feature | Basic HOA Policy | The "Dream" Protection Plan |
|---|---|---|
| Property Valuation | ✖ Actual Cash Value | ✔ Replacement Cost |
| D&O Coverage | ✖ Limited or Excluded | ✔ Full D&O + Employment Practices |
| Fidelity Bond | ✖ State Minimum | ✔ 3+ Months Assessments (Best Practice) |
| Equipment Breakdown | ✖ Not Covered | ✔ Included (HVAC, elevators, pool equipment) |
Headquartered in Overland Park, KS and serving clients across multiple states, our team provides straightforward guidance to help you make informed insurance decisions.
If you’re comparing insurance options or reassessing your current coverage, we’ll help you evaluate what you have, identify potential gaps, and find a path forward that makes sense for your situation.
Headquartered in Overland Park, KS, with licensed support across the Midwest, South, Northeast, and West.
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Experience the confidence shared by the community associations we protect, and let us turn these options into a clear, comprehensive protection plan for your HOA or condo association.
We’re here to help you explore your coverage options tailored to your needs.
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