🏘️ Community Association Insurance

Protect Your Community Association

Comprehensive insurance for HOAs, condominium associations, PUDs, and master-planned communities across Arizona. We shop 50+ carriers to get you the best coverage.

⚡ Fast quotes — often within 24 hours

💰 Competitive rates from 50+ carriers

📋 Same-day certificates of insurance

🏆 A-rated carriers only

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Coverage Options

Comprehensive Protection

Tailored coverage options designed specifically for community associations.

🛡️

General Liability (GL)

Protects against bodily injury, property damage, and personal injury claims on common areas.

Slip & fall coverage
Property damage claims
Personal injury protection
Medical payments

👔

Directors & Officers (D&O)

Protects board members from personal liability for decisions made on behalf of the association.

Wrongful acts coverage
Employment practices
Fiduciary liability
Defense costs

🏢

Property Insurance

Covers shared structures, amenities, and common area property against damage or loss.

Building coverage
Common area contents
Equipment breakdown
Flood & wind options

☂️

Umbrella / Excess Liability

Additional layer of protection beyond your primary liability limits for catastrophic claims.

Extended GL limits
Broader coverage
Legal defense
High-value protection

⚙️

Workers' Compensation

Coverage for association employees injured on the job — maintenance staff, managers, and more.

Medical expenses
Lost wages
Rehabilitation costs
Employer liability

🔒

Crime / Fidelity Bond

Protects the association's funds from theft, fraud, or dishonest acts by employees or board members.

Employee dishonesty
Forgery protection
Computer fraud
Funds transfer

Frequently Asked

What type of insurance does an HOA need?

Most HOAs need General Liability, Directors & Officers (D&O), Property Insurance, and a Fidelity Bond at minimum. Depending on your community size and amenities (pools, gyms, playgrounds), you may also need Umbrella coverage and Workers' Compensation.

Does the condo association or individual unit owners need insurance?

Both! The association's master policy covers common areas, shared structures, and liability. Individual unit owners need their own HO-6 policy for interior contents, personal liability, and any improvements they've made.

How much does HOA insurance cost?

Premiums vary based on community size, number of units, amenities, claims history, and location. Small associations may pay $1,500–$5,000/year for a basic GL policy, while larger communities with amenities can be significantly more. We shop multiple carriers to find the best rate.

What does Directors & Officers insurance cover?

D&O protects individual board members from personal financial liability when they're sued for decisions made in their role. This includes defense costs even when allegations are groundless.

Can you insure communities with pools, playgrounds, or fitness centers?

Absolutely. We regularly place coverage for communities with high-liability amenities. These features may raise your premium, but our carrier network offers competitive options for well-managed communities.