Homeowners Association Insurance

Coverage for Your Homeowners Association/Community clients

Each homeowners association risk is different and Sun Coast General understands this and can provide your clients a tailored solution to fit their unique community.

Here are a few ways that Sun Coast General Homeowners Association policies can protect your clients:

  • Building Coverage – Is all inclusive covering the building and anything attached to it, i.e. fixtures, flooring and cabinets, as well as any auxiliary structures a Residential Community Association would have such as signs, fencing, garage(s), pool, and/or clubhouse
  • Comprehensive General Liability – To help protect the insured against legal liability caused by bodily injury, property damage, personal injury, and advertising injury to others
  • Directors and Officers Liability – Coverage is an errors and omissions coverage that protects members of the board in the management of the association
  • Employee Dishonesty – Provides coverage in the event of a direct physical loss to Business Personal Property and money and securities caused by a dishonest act committed by an employee. If an association contracts someone to manage the property for them, i.e. a Property Management firm, the association would need to obtain a Fidelity Bond from the Bond Department
  • Building Ordinance & Law – Covers the loss of value and increased cost due to the enforcement of municipal laws or ordinances regulating the construction or repair of damaged buildings caused by an insured loss
  • Data Compromise and Identity Restoration – Coverages work together to help your business and you get back on track after a data breach occurs or if you, the business owner, becomes a victim of identity theft

It's not always just the liability and property insurance needs that your client needs help with, look to Sun Coast General to help with Commercial Auto and Workers Compensation insurance too.

Give Sun Coast General a call today at (949) 768-1132 (Option 4) and we will provide a great value to your insured.

This is only a general description of coverages and of the available types of insurance and is not a statement of contract.  Details of coverage, limits or services may not be available for all businesses, with all programs, and may vary in some states.  All coverages are subject to the terms, provisions, exclusions and conditions of the policy itself and in any endorsement.

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