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HOA & Timeshare Association Insurance in the US | Complete Coverage Guide

HOA & Timeshare Association Insurance Coverage

Whether you're managing a bustling homeowners association or a quiet timeshare complex in the US, one thing is certain—your community deserves strong, reliable insurance coverage. At The Armstrong Company Insurance Consultants, we specialize in protecting shared spaces, board members, and residents with comprehensive HOA and timeshare insurance packages.

From storm damage to cyber breaches, our team is here to walk you through your options and help make sure you're covered from every angle. You can always give us a call at 310-530-0099 if you’d like to talk through the best fit for your property.

 

Property Insurance

This coverage protects shared buildings and common areas like pools, clubhouses, and fences from damages caused by fire, storms, vandalism, and more.

General Liability

Covers slip-and-falls and other injuries on shared property like parking lots, sidewalks, and playgrounds. A must-have in the US neighborhoods.

D&O Liability

Board members make important decisions—and they shouldn’t have to risk personal assets. This coverage protects against legal claims tied to their leadership.

Workers' Compensation

If your HOA employs maintenance crews or office staff, this insurance covers injuries, lost wages, and medical bills due to job-related accidents.

Crime & Fidelity Coverage

Protect your community’s finances. This policy guards against theft or fraud by employees, board members, or property managers.

Equipment Breakdown

When essential equipment like boilers, elevators, or HVAC units break down, this policy helps with repair or replacement costs.

Umbrella Insurance

Provides extra liability protection beyond your standard limits. This is especially important for coastal or high-value associations.

Flood Insurance

Standard property insurance won’t cover flooding. Flood insurance protects against rising waters and storm surges common in Texas areas.

Earthquake Coverage

Especially vital in seismic zones, this policy pays for repairs from earthquakes, cracks, or structural damage.

Windstorm/Hurricane

When wind damage is excluded from standard coverage, this policy fills the gap. Perfect for coastal communities in the US.

Tenant Discrimination

Helps cover legal fees and damages if a tenant or buyer accuses the association of discrimination during applications or interactions.

Cyber Liability

Protects against data breaches involving resident info, payment systems, or internal communication platforms.

Business Income & Loss of Use

If a fire or flood makes facilities unusable, this coverage helps reimburse lost income or added expenses like temporary relocations.

Ordinance or Law Coverage

Pays the extra cost to bring buildings up to current code when older structures need repairs or rebuilding.

 

Common HOA Insurance Claims We Handle

Some of the most frequent claims we help our clients in the US navigate include:

  • Fire or hail damage to shared clubhouses and roofs
  • Slip-and-fall lawsuits from uneven sidewalks
  • Theft of association funds by treasurers or managers
  • HVAC system failure in community centers
  • Lawsuits from denied tenant applications
  • Ransomware attacks on resident portals
 

Protecting your community isn't just about insurance—it's about peace of mind. Let The Armstrong Company Insurance Consultants guide you through the process. Our knowledgeable team is happy to answer your questions or walk you through policy comparisons. Just give us a call at 310-530-0099 anytime!

You can also use our online quote request form to get started today.