Condo Association Insurance
Managing a condo association means protecting more than just buildings. Condo Association insurance covers the shared spaces, collective liability, and financial stability that every resident and board member depends on every day.
One Policy for Every Shared Space and Shared Responsibility
A condo association is responsible for far more than collecting dues and scheduling maintenance. The board oversees shared structures, common areas, and the financial health of an entire community. When something goes wrong, whether it is a roof collapse, a slip and fall in the lobby, or a lawsuit against the board, the association bears the burden. The right insurance policy ensures that burden never falls on individual owners or board members who were simply trying to serve their community.
Master Property Coverage
Protects the building's shared structures including roofs, hallways, lobbies, stairwells, and exterior walls against fire, weather, vandalism, and other covered perils.
General Liability
Covers bodily injury and property damage claims arising from incidents in common areas, protecting the association from costly lawsuits and legal defense expenses.
Directors and Officers (D&O) Liability
Shields board members from personal liability when their decisions or actions as association leaders are challenged by residents or third parties.
Fidelity and Crime Coverage
Protects association funds from theft, fraud, or embezzlement committed by employees, board members, or anyone entrusted with financial responsibilities.
Insurance Unlimited Benefits
Local Expertise
We understand life in the West and the risks that come with it. From mountain roads to sudden storms, our team knows how to match coverage to the realities of our communities.
Personal Relationships
Insurance is not one size fits all. We take the time to get to know you, your family, or your business so your coverage reflects what matters most.
Trusted Support
When the unexpected happens, you will have a partner who stands with you. Our agents are here to guide you through claims, answer questions, and provide peace of mind every step of the way.
Condo Association Boards and Leadership Teams
Board members make decisions on behalf of the entire community, and those decisions carry personal risk. D&O coverage and association liability protection ensure that volunteering to lead does not put your personal finances on the line.
Condo Communities and Resident Associations
From high-rise buildings to smaller townhome communities, every association needs coverage that matches the scale of its shared spaces, its budget, and the number of residents depending on stable, well-managed protection.
Serving Your Community Is Easier When You Are Covered
Condo association insurance is not optional, it is essential. Every association, regardless of size, carries real legal and financial exposure that requires purpose-built coverage to manage responsibly.
Real Stories from
Our Community
We’re proud to protect what matters most to our neighbors. These real stories from real clients reflect the trust, service, and peace of mind that define Insurance Unlimited.
Frequently Asked Questions
Your success is at the heart of everything we do. As trusted insurance agents, we’re here to provide clear answers and expert guidance, helping you navigate challenges, uncover opportunities, and achieve lasting growth.
Does each condo owner need their own insurance if the association has a policy?
Yes, and this distinction is critical. The association's master policy covers shared structures and common areas, but it does not extend into individual units. Each owner is responsible for insuring their own interior finishes, personal belongings, appliances, and personal liability. Individual condo owners insurance, often called an HO-6 policy, fills the gap between what the association covers and what each resident owns and is responsible for.
What does Directors and Officers liability actually cover?
D&O coverage protects board members from personal financial liability when a resident, vendor, or third party files a lawsuit challenging a board decision or alleging mismanagement. Common examples include disputes over rule enforcement, contract decisions, special assessments, or discrimination claims. Without D&O coverage, board members could face personal legal costs out of pocket, which discourages qualified residents from volunteering to serve in leadership roles.
What is the difference between bare walls and all-in coverage?
These terms describe how far the association's master policy reaches into each individual unit. Bare walls coverage protects only the building structure up to the unfinished interior surfaces, leaving owners responsible for flooring, cabinets, fixtures, and all interior improvements. All-in coverage extends protection to original fixtures and finishes within each unit. Understanding which structure your association uses is essential for individual owners to know exactly where their personal condo policy needs to begin.
Ready to Get Started?
Protect your home, your business, and your future. With Insurance Unlimited, you’re covered every step of the way, from plains to peaks.
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