Condo associations, HOAs, apartment buildings, and commercial landlords all carry distinct insurance exposures. We have deep relationships with property managers across the region and write more condo association coverage than most agencies our size. If you manage multiple properties, we work the way you work.
Condo association insurance is one of the most misunderstood lines in property coverage. The association's master policy, individual unit owner policies, and the gaps between them create real exposure that boards and property managers need to understand. We've built deep relationships with property managers across the region because we take the time to explain it clearly and get it right.
Whether you manage a single condo association or a portfolio of mixed residential and commercial properties, we build programs that reflect how your properties actually operate — the construction type, the amenities, the tenant mix, and the specific liability exposures of each property. We write everything from small HOAs to large multi-building associations and apartment portfolios.
No obligation. We review your current program and shop 100+ carriers.
Condo association insurance is more complex than standard property coverage. Here's how we approach it.
The association's master policy covers the building structure, common areas, and — depending on the policy type — some or all of the unit interiors. Getting the coverage type right is the most important decision in condo association insurance.
General liability for common areas, the association's D&O exposure, and employment practices liability if the association has employees or a management company.
What the master policy doesn't cover — and what individual unit owners need their own HO-6 policy for. We explain this clearly to boards so they can communicate it to residents.
Most condo board members don't know which type their association carries. The difference affects every unit owner in the building.
Covers only the building structure and common areas. Everything inside the unit walls — flooring, cabinets, fixtures, improvements — is the unit owner's responsibility. Unit owners need robust HO-6 coverage.
Covers the building structure plus original fixtures and finishes as built — but not unit owner improvements or betterments. The most common type. Unit owners still need HO-6 for improvements and personal property.
Covers everything including unit improvements and betterments. Broadest coverage — and the highest premium. Unit owners still need HO-6 for personal property and individual liability.
Common area liability, community property coverage, and D&O for HOA boards. We work with HOA management companies and self-managed associations.
Small to mid-size residential rental properties — building coverage, landlord liability, and loss of rents. We write everything from a duplex to a 50-unit building.
Residential over commercial — the most complex habitational class. We build programs that reflect both the residential and commercial exposures without gaps between them.
Office buildings, retail centers, and light industrial with tenant occupancy. We write commercial landlord programs alongside habitational for property investors with mixed portfolios.
If you manage a portfolio of properties, we work at the portfolio level — consistent programs, efficient certificate handling, and a single point of contact for all your properties.
Condo associations and HOAs on Wisconsin and Iowa lakes have specific coverage needs — docks, boat launches, waterfront liability, and seasonal property considerations.
We have strong relationships with property managers across the region because we make their job easier — not harder.
Certificate requests handled quickly and accurately. When a lender, buyer, or tenant needs a certificate, we don't make you chase us.
Every property in your portfolio reviewed at renewal — valuations updated, coverage confirmed, market compared. One meeting covers everything.
We help you explain the master policy to condo boards and unit owners — what's covered, what isn't, and what individual unit owners need to protect themselves.
If you manage multiple associations, we help establish consistent coverage standards across your portfolio so there are no surprises when a claim happens.
One call for all your properties. You work with the same commercial lines team for every association in your portfolio.
Mortgaged condo units and association common areas often have lender insurance requirements. We make sure your master policy complies.
Deep property manager relationships, 100+ carriers, and a commercial team that takes the time to get habitational coverage right.