HOA & Condo Association Insurance
Homeowners associations and condo associations are responsible for insuring common areas and, often, the entire building structure. Board members also face liability for their decisions. Pacific Southwest Insurance Services insures HOAs with master policies, liability, directors and officers coverage and fidelity bonds.
Get a free quote today. Call (818) 701-1033 or email info@pswinsurance.com. Office hours are Monday to Friday, 9:30 AM to 5:00 PM.
Who We Insure
Our hoa & condo association clients include:
- Condominium associations
- Townhome HOAs
- Planned unit developments
- Commercial condo associations
- Mixed-use associations
- Senior communities
Coverage Options
- Master building policy: Covers buildings and common areas as defined by your CC&Rs.
- Common area liability: Covers injuries at pools, clubhouses, walkways and parking areas.
- Directors and officers (D&O): Protects board members from claims over their decisions.
- Fidelity / crime bond: Protects association funds from theft by board members, managers or employees.
- Equipment breakdown: Covers shared systems like boilers, elevators and pumps.
- Earthquake coverage: Available separately for the master policy.
What Affects Your Premium
Every property is different. Carriers typically look at:
- Number of units and buildings
- Building age and construction
- Amenities: pools, gyms, clubhouses
- Reserve study and maintenance
- What the CC&Rs require
- Location and wildfire exposure
- Claims history
As an independent agency, we compare options from multiple insurance companies to find the right coverage at a competitive price.
Why Choose Pacific Southwest Insurance Services
- Family-owned and serving California since 1965, now writing coverage nationwide
- Access to multiple commercial property carriers, including markets for hard-to-place risks
- Fast certificates of insurance and lender evidence of property
- One agency for your property, general liability, commercial auto, bonds and more
- A real person answers the phone and knows your account
Frequently Asked Questions
What does the master policy cover?
It depends on your CC&Rs. Some cover only common areas and exterior structure; others cover interior walls and fixtures too.
Is a fidelity bond required?
Many governing documents, lenders and management agreements require fidelity coverage, and California has rules for association funds. We’ll help you set a limit that protects your reserves.
Do unit owners need their own insurance?
Yes. Owners should carry an HO-6 policy for their interiors and personal property.
Other Properties We Insure
- Office Building Insurance
- Retail Store & Strip Center Insurance
- Apartment Building Insurance
- Warehouse & Distribution Center Insurance
- Industrial & Manufacturing Building Insurance
- Mixed-Use Building Insurance
- Medical & Dental Office Insurance
- Self-Storage Facility Insurance
- Vacant Building Insurance
- Builder’s Risk Insurance
- Restaurant & Bar Property Insurance
- Contractor Shop & Yard Insurance
- Auto Repair & Body Shop Insurance
- Hotel & Motel Insurance
- Church & House of Worship Insurance
- Gas Station & Convenience Store Insurance
- Salon, Barbershop & Spa Insurance
- Gym & Fitness Studio Property Insurance
- Daycare & School Insurance
- Dry Cleaner & Laundromat Insurance
- Landlord & Rental Property Insurance
- Business Tenant Insurance
- Commercial Real Estate Investor Insurance
- Commercial Earthquake Insurance
- Business Interruption Insurance
- Equipment Breakdown Insurance
- Commercial Flood Insurance
- Inland Marine & Contractor’s Equipment Insurance
Don’t see your property type? We insure most commercial properties. See all commercial property coverage.
Get a HOA & Condo Association Insurance Quote
Tell us about your property and we’ll shop the market for you. Call (818) 701-1033, email info@pswinsurance.com, or visit our office at 9036 Reseda Blvd., Suite 105, Northridge, CA.