Condo and homeowners associations carry responsibility for buildings, common areas and board decisions. We help boards and managers structure master policies, review deductibles and keep coverage aligned with association documents.
Condo associations, HOAs and community managers.
Condo boards face Florida-specific insurance and reserve requirements.
Fidelity/crime bond, flood, umbrella.
Association coverages
- Master propertyCovers buildings and common elements as defined in your declaration.
- General liabilityCovers injuries and damage in common areas such as pools, clubhouses and docks.
- Directors & officers (D&O)Protects board members from claims related to their decisions.
- Fidelity / crimeProtects association funds from theft or fraud.
- FloodBuilding flood coverage for the association’s structures.
Condo & HOA Association insurance across the Treasure Coast
Our office is at 1165 SW 27th Street, Palm City, FL 34990, and we help clients with condo & HOA association insurance throughout Martin and St. Lucie counties — and anywhere in Florida.
Frequently asked questions
How do association and owner coverage fit together?
The master policy covers what the association documents assign to the association; each owner’s HO-6 covers the rest. Clear communication of the master deductible helps owners buy the right loss-assessment coverage.
Ready for your condo & HOA association quote?
Free, no-obligation, and compared across multiple carriers.