Directors & Officers
Protects board members against claims over their governance decisions.
Read the Directors & Officers guideWhat hoa insurance covers
A homeowners association needs coverage that protects its board, its shared property, and the funds it holds for members.
What insurance does an HOA need?
A homeowners association typically carries directors and officers liability for board decisions, a commercial property master policy for buildings and common areas, a crime and fidelity bond that guards association funds, general liability, an umbrella policy, and workers compensation for on-site staff.
- Coverage lines
- 12
- Priority tiers
- Core · Recommended · Situational
- Placed across
- 60+ carriers
Trusted by 60+ carrier partners
Core
Required for most associations
Commercial Property
The association master policy for buildings, common areas, and amenities.
Read the Commercial Property guideCrime & Fidelity
A fidelity bond that covers theft of association funds.
Read the Crime & Fidelity guideGeneral Liability
Covers slip and fall and bodily injury claims on common property.
Read the General Liability guideUmbrella / Excess
Adds liability limits above the association base policies.
Read the Umbrella Insurance guideWorkers Compensation
Covers on-site staff and grounds workers who get hurt.
Read the Workers Compensation guideRecommended
Common across most associations
Fire & Catastrophe
Covers wildfire, windstorm, and hail damage to association structures.
Flood Insurance
Covers flood damage to shared buildings and common structures.
Situational
Depends on your community profile
Equipment Breakdown
Covers HVAC, elevator, and pool equipment failures.
Building Ordinance
Pays code upgrade costs when damaged buildings must be rebuilt to current code.
Cyber Liability
Covers data breaches and digital payment fraud for the association.
Read the Cyber Liability guideHired & Non-Owned Auto
Covers liability when staff drive for association business.
Read the Hired & Non-Owned Auto guideBy segment
How the stack shifts by hoa type
Every hoa carries the core lines. Which recommended and situational lines matter depends on the operation.
CoreRecommendedSituational
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