Association types
Nine association types. Nine different coverage architectures.
A condo master policy, a co-op's blanket property form, and a self-managed single-family HOA program do not share a template. Governing-document requirements, lender warrantability standards, and state statute all shape the placement differently depending on the association type. Find the practice page built for yours.
Condo / HOA
Condo HOA Insurance
Master policy structure keyed to the declaration: bare-walls, single-entity, or all-in coverage, sized correctly the first time.
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Townhome / PUD
Townhome & PUD Insurance
Coverage built around shared walls, party-wall exposure, and planned-unit-development common areas.
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Single-family HOA
Single-Family HOA Insurance
Common-area and amenity liability, board D&O, and fidelity coverage for associations that do not insure the homes themselves.
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Master-planned
Master-Planned Community Insurance
Layered programs across a master association, its sub-associations, amenity centers, and shared infrastructure.
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High-rise condo
High-Rise Condo Insurance
Property and liability programs sized for elevators, fire and life-safety systems, and vertical replacement cost.
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Co-op
Co-op Insurance
Master property and liability coverage structured around the co-op's blanket ownership and proprietary-lease form.
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Mixed-use
Mixed-Use Community Insurance
Coverage that separates and allocates risk correctly between residential common areas and ground-floor commercial space.
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55+ / active-adult
55+ / Active-Adult Community Insurance
Programs sized for amenity-heavy campuses: clubhouses, pools, fitness centers, and higher liability frequency.
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Small self-managed
Self-Managed HOA Insurance
Board D&O and volunteer protection plus governing-doc compliance for associations without a management company.
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Not sure which fits?
Run the free Policy Checker.
Select your association type and current program details, and see which requirements it likely meets, no email required to view results.