Neighborhood and Homeowners Association Insurance

Homeowners Association directors and volunteers face many challenges protecting the property of neighborhood associations.

You need to be prepared when the unexpected occurs (fire, hail, windstorm) to the common property.

You also need protection in place in case of accidents, injuries, vandalism, or crime.

Our specialty insurance program for neighborhood associations includes parks, playgrounds, swimming pools, fitness clubs, tennis courts and more.

Directors and Officers Liability is available for not-for-profit associations.

homeowners association

It’s easy to get started on your quote.

Our online questionnaire works great on smart phones, tablets, desktops and laptops.

Just click to get started…

Homeowners Association Questionnaire

To receive your quote:

  • Complete the questions
  • Click “Submit” when you’re done.
  • You’ll get a “Thank you” screen to tell you we received it.

Phone or email Kevin Morency if you have any questions.

By taking the time to discuss your needs, Kevin can tailor an affordable business insurance solution that offers peace of mind, yet still deliver a quote quickly.

Neighborhood & Homeowners Association Insurance Program Highlights

Property & Casualty Coverages

  • General Liability
  • Damage to the property of others
  • Employment Practices Liability
  • Directors and Officers Liability – Not for Profit
  • Property
  • Crime
  • Inland Marine
  • Auto
  • Umbrella

Liability Coverage may include:

  • Limits up to $1 million per occurrence/$3 million aggregate
  • Directors and Officers Liability – Not for Profit
  • Employees as Additional Insureds
  • Employment Practices Liability (claims-made coverage)
  • Employee Benefits (claims-made coverage)
  • Fire Legal Liability – $100,000 (higher limits available)
  • Medical Expenses – $5,000 per person
  • Building Owner as Additional Insured
  • Voluntary Property Damage
  • Members as Additional Insureds
  • Volunteers as Additional Insureds

Property Coverage may include:

  • Building Coverage
  • Contents Coverage
  • Equipment breakdown on building and contents
  • Electronic Media and Records Business Interruption
  • Blanket insurance
  • Business income (with extra expense and 0 hour waiting)
  • Utility service – direct damage
  • Utility service – time element
  • Outdoor Fences
  • Replacement Cost
  • Agreed Value on Buildings
  • Signs
  • Property in the Open

Other Insurance Options and Coverage may include:

  • Umbrella – limits up to $10,000,000
  • Crime – Employee Dishonesty to $25,000
  • Mobile Equipment
  • Personal Computers, EDP Equipment, Data, Media and Phones
  • Valuable Papers and Records
  • Accounts Receivable
  • Fine Arts

Affordable Insurance Coverage

Our specialty business insurance coverages offer convenient, no interest payment options with flexible payment terms. So it’s easier to manage your bottom line.

Flexible Payment Terms—Pay as little as monthly

Choose the payment option that fits your budget. Because sometimes a smaller monthly payment is easier on you.

  • Annual
  • Semi-annual
  • Quarterly
  • Down payment plus 9 equal payments (10 payments)
  • Monthly (12 payments)

Convenient, No Interest Payment Options

Pick the method that works best for you…

  • Electronic funds transfer—$1 fee per installment
  • Online or by phone—$7 fee per installment
  • Charge to credit card—$7 fee per installment

Prefer to Manage Only One Bill?

Complete coverage may be available for your business insurance needs in one comprehensive insurance package.

Call or email Kevin Morency today and receive a quick turnaround on your quote.

Note: Some payment options may not be available in all states.

We appreciate the opportunity to become your insurance advisor.