Condominium and Homeowners Association Insurance Checklist

I have compiled the following checklist for comparison to your current policy.  Feel free to contact us for a complete side by side comparison on your Association Insurance coverage.  1-888-439-0479


  • Special Form coverage
  • Guaranteed Replacement Cost, Extended Replacement Cost or Replacement Cost
  • Agreed Amount, Agreed value or Evidence of 100% Replacement Cost
  • Building Blanket Coverage vs. Scheduled Building Limits
  • Inflation Guard Endorsement
  • Deductibles
  • Wind/Hail Deductible Buy Back
  • Wind Coverage
  • Ordinance or Law Coverage – all 3 coverage parts
  • Equipment Breakdown
  • Water/Sewer Backup
  • Mold Coverage
  • Personal Property, Office, Clubhouse or Pool Contents, Computers
  • Scheduled Equipment
  • Flood Insurance
  • Earthquake
  • Loss of Income/Assessment coverage
  • HOA Enhancement Property coverage


  • General Liability
  • Additional Insured Endorsements for Unit Owners and Property Managers
  • Owned Automobile Liability, Non-Owned and Hired Auto Liability
  • Employment Practices Liability
  • Directors and Officers Liability
  • Special Event Insurance, Host Liquor Liability
  • Umbrella Excess Liability
  • Cyber Security Liability/ Data Breach Response coverage
  • Terrorism coverage
  • HOA Enhancement Liability coverage


  • Employee Dishonesty or Theft
  • Depositors Forgery or Alteration
  • Computer Fraud
  • Social Engineering Fraud
  • Funds Transfer Fraud
  • Money Orders and Counterfeit Money
  • Define property management firm as an “employee”


  • Officers and Board Included
  • Volunteers Included


  • Health Insurance
  • Disability Insurance
  • Life Insurance
  • Long Term Care
  • Retirement Plan