Multifamily and HOA coverage built around the community.
Programs for multifamily owners and HOA boards governing residential communities. Property, liability, loss of rents, and D&O — sized to the way the community is run.
The multifamily & HOA coverage stack.
A program built for multifamily owners and HOA-governed communities. Each line is sized to the property and the way it is run.
Property
Buildings, common areas, fixtures, and FF&E. Sized to the community — owner-operated complexes and HOA-managed properties.
Equipment Breakdown
HVAC, boilers, elevators, and electrical systems — common-area failures standard property won't respond to.
General Liability
Tenant and visitor injury — stair slips, parking-lot incidents, pool and common-area claims.
Loss of Rents
Income replacement when units are uninhabitable after fire, storm, or system failure. Up to 24 months.
D&O (HOA Boards)
Board-member liability for governance decisions, owner disputes, and fiduciary claims.
Crime / Fidelity
Theft of funds by employees, vendors, or board members — critical for HOA reserves and operating accounts.
Workers Comp
State-mandated. Covers onsite maintenance, leasing, and groundskeeping staff at owner-operated properties.
Umbrella / Excess
Additional limit stacked above your primary policies. The catastrophic-claim layer for the community.
The claims that drain multifamily owners.
Industry averages from carrier loss data. Actual exposure varies by portfolio.
Request a multifamily quote.
Tell us about the property or portfolio. We will quote a full program and benchmark it against your current placement.