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HOA and condo association insurance

Get clear on coverage for the property your community shares

Serving on the board means making decisions for your neighbors. Bring your current HOA or condo association insurance policy and governing documents so we can discuss the association's coverage questions together.

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What it usually covers

  • Association buildings. Coverage for insured structures and permanently installed fixtures for which the association is responsible.
  • Shared areas. The master policy addresses insured common property, such as roofs, corridors and walkways.
  • Premises liability. Help with covered injury or property-damage claims arising from the association's premises or operations.
  • Optional building-code coverage. Ask about ordinance-or-law coverage for certain added costs when rebuilding must meet current rules.
  • Board liability to discuss separately. Directors and officers coverage addresses certain claims about decisions made while serving on a board.

Who it is for

For association boards and managers gathering coverage information for a residential community. Begin with the governing documents: which buildings, interiors and shared areas does the association insure? Compare those responsibilities with the master policy, rather than assuming every association has the same arrangement.

We look at your property and your liability together, in one review. As part of every quote, we review the current policy and coverage documents you provide.

Covering your own unit instead? See Condo insurance. A building held as a rental investment rather than an association may fit the Apartment buildings page better.

What to have ready

Gather the association's existing records before starting a quote conversation:

  • Current property and liability policies, plus any board-liability policy.
  • The insurance summary distributed to members, if available.
  • Governing documents setting out insurance and maintenance responsibilities.
  • Building addresses, unit counts, construction details and shared amenities.
  • Rebuilding estimates and a list of major building-system updates.
  • Available claims history and any renewal or nonrenewal notice.

Common questions

Does the master policy replace each owner's condo insurance? (show answer)
No. Owners may still need coverage for belongings, personal liability and interior items left to them by the governing documents.
Does general liability cover the board's decisions? (show answer)
Do not treat General liability and directors and officers coverage as interchangeable. They address different kinds of claims.
Which documents help explain the split with unit owners? (show answer)
Start with the governing documents and the full master policy. Together they help identify the association's coverage and the items an owner needs to discuss separately.
Is a building's purchase price the amount to insure? (show answer)
Building coverage focuses on rebuilding the insured structure and replacing permanent fixtures, rather than the property's sale price. Bring a current rebuilding estimate for review.

Start with the association's responsibilities

Bring the current policies and governing documents so we can review the coverage picture together.

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We review your request and contact you.

Sources (5)

  1. Commercial Insurance Guide - California Department of Insurance. Accessed Nov 1, 2026.
  2. Residential Insurance: Homeowners and Renters - California Department of Insurance. Accessed Nov 1, 2026. Condominium section.
  3. Insuring a co-op or condo - Triple-I. Accessed Nov 1, 2026.
  4. Directors and Officers insurance - Triple-I. Accessed Nov 1, 2026.
  5. Liability Insurance - Triple-I. Accessed Nov 1, 2026. Used for general coverage distinctions only.