Insurance for HOAs – Offices and Residential Insurance

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HOA (Homeowners Association) insurance in Florida protects the association, its board members, and shared community assets. This type of insurance is designed specifically for homeowners associations to address the risks associated with managing residential communities, including condominiums, townhomes, and single-family home neighborhoods.

Neighborhood with HOA insurance in Florida

What is HOA Insurance?

HOA insurance protects the HOA’s common areas, structures, and liability. It protects the HOA’s physical property and financial liabilities from unexpected events. In addition, Florida law requires HOAs and condo associations to maintain insurance for common areas and shared property.

HOA Property Insurance

Covers common areas and shared property managed by the HOA against fire, vandalism, storm damage, theft, or flooding, or hurricane damage (if included). These common areas include:

  • Clubhouses
  • Landscaping
  • Parking lots
  • Swimming pools
  • Tennis courts
  • Walkways

General Liability Insurance for HOAs

Protects the HOA from third-party claims for bodily injury or property damage in common areas, such as slips and falls near the pool or in the community clubhouse.

Community in need of insurance for HOAs

HOA Umbrella Insurance

For larger HOAs with significant assets, HOA umbrella insurance provides additional liability coverage beyond the general liability policy’s limits.

Directors and Officers (D&O) Insurance

Protects the assets of HOA board members from lawsuits regarding their decisions or actions while performing board duties. It covers legal fees and potential damages if the board or a board member is served with a lawsuit.

HOA Flood Insurance

If your HOA community is located in a flood-prone area in Florida (such as a FEMA flood zone), flood insurance is required. This supplemental coverage protects the HOA’s property from water damage occurring by flood waters.

HOA Hurricane and Windstorm Coverage

Because of the frequency and severity of Florida storms, extra coverage to protect your HOA from damage caused by hurricanes and windstorms is recommended.

HOA member with damaged home covered by home insurance 32084

HOA Crime and Fidelity Insurance

This might be a good option for larger HOAs. This policy protects the HOA from losses due to theft, fraud, or embezzlement of HOA funds by board members, employees, or contractors.

Let the Mizrahi and Garris Insurance Agency Inform You About HOA Coverage Options

You have many options when selecting an insurance agency, so why choose Mizrahi and Garris? Consider these reasons:

  • HOA-Specific Experience–We have many HOA clients, and a clear understanding of HOA insurance needs.
  • Over 20 Years of Local Insurance Experience—We’ve been protecting our Jacksonville area insurance clients, including customers in the 32034, 32080, 32081, 32082, 32084, 32085, 32223, and 32259 zip codes (and surrounding areas) in good times and bad. We know the area inside and out and the challenges our customers face.
  • Excellent Google Reviews—Don’t take our word for it. Check out the Google Reviewsfrom our satisfied customers.

Google rating for insurnace agency in 32223 zip

  • Fantastic Insurance Agents–We are not just insurance agents. We are your personal insurance consultants. We inform you through the insurance quoting process, advocate for you during the claims process, and support you with the proper coverage for all your insurance needs.
  • Independent Insurance Agency–As an independent insurance agency, we can work with many insurance providers to find the best protection plan for your specific needs.

Free No-Obligation Insurance Quote–Connect with us for a free, no-obligation quote. We’ll help you find a protection plan perfectly customized to your needs. Give us a call at (904) 262-9202 or click the “Free Quote” to talk to an insurance expert today.