🏡 HOAs

Homeowners Association Insurance

Insurance for HOAs of all sizes. Protect your common areas, amenities, board members, and community assets with comprehensive coverage.

Fast quotes — often within 24 hours
🏆A-rated carriers only
📋Same-day certificates

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Unique Risks We Address

Every hoas faces specific risks. We make sure you're covered.

Common area injuries
Pool/park accidents
CC&R enforcement disputes
Board member personal liability
Assessment collection lawsuits
Vendor injury claims
Landscaping accidents
Security gate failures
Coverage Options

Recommended Coverage

Tailored insurance products for hoas operations.

🛡️

General Liability

Covers bodily injury and property damage claims arising from common area operations and events.

  • Slip & fall claims
  • Common area injuries
  • Visitor accidents
  • Pool/amenity incidents
👔

Directors & Officers (D&O)

Protects board members and officers from personal liability for association management decisions.

  • Board decision claims
  • Assessment disputes
  • Enforcement actions
  • Financial oversight
🏢

Property Coverage

Covers common area buildings, structures, amenities, and equipment against damage or loss.

  • Clubhouse coverage
  • Pool/spa structures
  • Playground equipment
  • Landscaping improvements
🔐

Crime / Fidelity

Protects against theft or embezzlement of association funds by board members, employees, or vendors.

  • Employee theft
  • Board member fraud
  • Vendor theft
  • Assessment misappropriation
⚙️

Workers' Compensation

Required coverage for association employees — maintenance staff, office workers, and property managers.

  • Maintenance staff
  • Office personnel
  • Groundskeepers
  • Security guards
☂️

Umbrella / Excess Liability

Additional liability limits above your GL and D&O policies for catastrophic claims.

  • Extended GL limits
  • Extended D&O limits
  • Catastrophic claims
  • Large settlement protection

Serving All of Arizona

📍 Phoenix 📍 Tucson 📍 Mesa 📍 Chandler 📍 Scottsdale 📍 Glendale 📍 Gilbert 📍 Tempe 📍 Peoria 📍 Surprise 📍 Yuma 📍 Flagstaff

Frequently Asked

What insurance does our HOA need?
At minimum: GL for common areas, D&O for board protection, and Crime/Fidelity for financial safeguards. Property coverage is needed if the HOA owns structures.
Are board members personally liable?
Without D&O insurance, board members can face personal liability for decisions. D&O covers defense costs and settlements for wrongful act claims.
Does GL cover our community pool?
Yes. GL covers bodily injury claims at your pool, playground, gym, and all common amenities. Proper signage and safety rules reduce risk.
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