General Liability
The association's primary exposure. Pools, clubhouses, and private roads are where residents and guests get hurt, and GL is the first responder to those claims.
Read the General Liability guideWhat Single-Family HOA insurance covers
The full single-family hoa insurance program, read one line at a time. What each policy is for, and how we rank it by priority.
- Coverage lines
- 9
- Priority tiers
- Core · Recommended · Situational
- Placed across
- 60+ carriers
Trusted by 60+ carrier partners
Core
Required for every single-family association
Directors & Officers (D&O)
Single-family HOAs are enforcement-heavy, and the board is regularly sued over architectural and covenant decisions. D&O defends the volunteers.
Read the Directors & Officers guideCommon-Area Property
A focused schedule on the clubhouse, pool house, gates, and monuments the association owns, sized to what it actually holds rather than residential value.
Recommended
Needed for amenity exposure and warrantability
Umbrella / Excess Liability
A pool or playground injury can exceed a primary limit fast. Amenity-heavy single-family communities treat a large umbrella as core.
Read the Umbrella Insurance guideFidelity / Crime Bond
The association holds owner dues and reserves. The governing documents and lenders drive the bond, which protects the community against theft by a board member or manager.
Read the Crime & Fidelity guideEquipment Breakdown
Pool pumps, gates, and irrigation controllers fail without warning and sit outside standard property coverage.
Situational
Depends on staffing and infrastructure
Workers Compensation
Standard once the association staffs a pool, gate, or grounds crew, or hires contractors directly.
Read the Workers Compensation guideNon-Owned Auto
Useful where board members or staff drive personal vehicles on association business around the community.
Special Event / Liquor Liability
Worth adding when the clubhouse hosts community events or is rented out for private functions.
Read the Liquor Liability guideGo deeper
Read any line in full
Each coverage has its own guide with limits, exclusions, and the claims it actually pays, across every business we place it for.
Get a quoteWe will build the program around your operation.
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Send us your current policy and a licensed advisor will benchmark your single-family HOA insurance across 60+ carriers — showing you where the gaps and the savings are. If your program is already solid, we'll tell you. Either way, you get a free expert review.
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