🏠 Townhome Associations

Townhome Association Insurance

Insurance for townhome and rowhome associations. Protect your shared structures, common areas, board, and community.

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Unique Risks We Address

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

Shared wall damage claims
Common roof issues
Drainage/grading disputes
Exterior maintenance claims
Parking area incidents
Foundation/structural concerns
Fire spread between units
Pest control disputes
Coverage Options

Recommended Coverage

Tailored insurance products for townhome associations 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

Who insures shared walls in a townhome?
The association typically insures the building structure including shared walls. Individual owners insure their interior finishes and personal property.
What about roof damage claims?
If the association is responsible for roofs (check your CC&Rs), the association's property policy covers roof damage. Individual owners cover interior water damage.
Does GL cover our parking areas?
Yes. GL covers slip & falls, vehicle damage, and other injury claims in association-owned parking areas and driveways.
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