Condominium and Homeowner’s Association Insurance

Homeowners and condominium associations have unique insurance needs that go beyond standard homeowners insurance. Our specialized policies are designed to protect against a variety of risks and liabilities that can impact your community.

  • Bright living room with large windows, beige sofas with blue pillows, a dining table with padded chairs, a corner fireplace, and a balcony with outdoor furniture and potted plants, overlooking a neighborhood and sky.

    Crime and Fidelity

    Guard your association against financial loss from theft, fraud, or embezzlement committed by board members or employees. This coverage ensures your community's financial health and stability

  • Cozy attic apartment interior with a kitchen, white sofa, glass coffee table with driftwood base, wooden ceiling beams, and angled windows letting in natural light.

    Property Damage

    Our policies cover property damage to common areas, including clubhouses, pools, and landscaping. This ensures that your community assets are protected against fire, storms, vandalism, and other perils

  • Bright, open-concept living room and kitchen with white cabinetry, a skylight, and sliding glass doors opening to a screened porch with outdoor furniture, and decorated with rattan chairs, geometric patterned pillows, a round woven coffee table, and green plants.

    General Liability

    Protect your association from liability claims related to accidents or injuries that occur in common areas. This coverage helps with legal fees and settlements, providing peace of mind for your board members and residents

  • Directors and Officers (D&O) Liability

    D&O insurance protects the board members of your HOA or condo association against claims of wrongful acts, decisions, or management practices. This coverage is essential for attracting and retaining dedicated board members

  • Fidelity Bond

    Protects against financial losses caused by fraudulent acts of board members or employees, such as theft or embezzlement

  • Equipment Breakdown Insurance

    Covers repair or replacement of essential equipment and systems, such as HVAC, boilers, and elevators, in the event of a mechanical failure.

At Briteline Insurance, we specialize in providing comprehensive insurance coverage tailored specifically for homeowners associations (HOAs) and condominium associations. Protecting your community is our top priority, and our expert team is here to ensure that you have the right coverage to meet your needs.