Our A++ rated carrier is quoting nonprofit community associations up to a combined $1.5 million in property value. Homeowner associations (where the unit owner owns the walls) can be quoted up to 1,500 units. Condo associations can be quoted up to 500 units. Property coverage is limited to 5 units for condo associations.

Ineligible Community Associations
Please note we cannot offer coverage to the following:
  • Ongoing or anticipated construction
  • Short-term rental exposure controlled by the association or property manager
  • Has aluminum or knob and tube wiring
  • Wiring not 100 percent connected to functional circuit breakers
  • Buildings exceeding three stories in height without enclosed firewalls or fire escapes and exceeding seven stories in height that do not have a full sprinkler system
  • Risks that are builder/developer controlled
  • Risks with more than five undeveloped lots
  • Risks located in AK, LA or WV

​Available Coverage for Community Associations
  • General liability up to $1,000,000 occurrence/$2,000,000 aggregate
  • Property values up to $1,500,000 in non-coastal zones (available only for homeowners associations) $500,000 in defined coastal zones (available only for homeowners associations)
  • Community association professional limit up to $5,000,000
  • Directors and officers with employment practices liability up to $5,000,000
  • Excess or umbrella up to $5,000,000