Community Associations
Condo Apt PhotoCAPsure is a versitile habitational insurance program for community associations. It offers "All-in" coverage and flexible loss settlement options, industry leading loss control, and outstanding claims satisfaction - so you can retain your clients for years to come. New! Wind Driven Rain Interior Damage Coverage Option!!

Discuss a Risk Now! (No Producer Agreement needed to discuss)

We provide solutions when you need a commercial insurance broker for:

- Condominium Associations (including tax district)
- Condominium Conversions
- Homeowner Associations
- Cooperatives
- Seasonal Associations
- Secondary Assocations
- Rental Associations
- Timeshares
- Planned Unit Developements
- Mixed condominium/office/mercantile & mercantile lessors or office lessors

NEW: Deep discounts for smoke-free buildings!

Please see the brochure (below) for an overview. We also have habitational insurance for apartments!

States: AR, AZ, CO, IA, IN, KY, MD, MI, MO, NY, OH, OR, PA, TN, UT, VA, WA, WI

Discuss a Risk Now! (No Producer Agreement needed to discuss a risk)

CAPsure Community Association Brochure


UNDERWRITING: (Other guildelines apply to our quality habitational programs, but these are the major knockouts)

- Any year construction 
- 70% occupancy rate
- No home associations where common property is not co-owned
- Out of state owners need a management firm for maintenance
- No above ground swimming pools
- 100 AMP service per unit required, No Aluminum wiring (unless remediated), No fuses

- No space heaters or alternative means of heating

Submitting a Condominium Association Application