Specialty insurance for California’s professionally managed HOA’s.

Engle & Associates has been working with homeowners and condo associations of all sizes with their unique risks for over thirty years.

Professionally Managed HOA’s Homeowners Associations and Condominium Associations have unique risks that require the expertise of a broker who has a proven track record insuring these types of risks. We keep up on changes in legislation that affect homeowner and condominium associations and keep our property manager partners informed of these changes.

NOTE: We only work with professionally managed homeowners associations. We do not work with self-managed associations. Please feel free to contact our office for a referral to a professional HOA property manager.

Explore our interactive condo building scene!

Learn about common risks regarding your condo building and discover how the proper insurance can help.

We tailor a custom insurance package based on the needs of each association with the following coverage options available:


Property Coverage

covers common area buildings and anything attached to the building – fixtures, cabinets, etc. Also covers things like signs, pergolas, fences, mailboxes, landscaping, irrigation, pumps, gym equipment and furnishings.

General Liability Coverage

provides legal liability for bodily injury, property damage and personal injury claims against the association.

Umbrella Liability

offers excess liability limits over underlying general liability, directors and officers liability and employer’s liability.

Directors and Officers Liability

covers defense and damages arising out of wrongful act allegations and lawsuits brought against the association’s board of directors.

Fidelity/Crime/Employee Dishonesty

these terms are used interchangeably to describe direct physical loss to money and securities caused by a dishonest act committed by an employee. Example: Employee embezzles money from the association. We can endorse this coverage to also cover a professional property management firm as an employee.

Workers Compensation

many associations have zero payroll. This doesn’t mean they should not carry workers comp. We always recommend carrying a zero payroll workers comp policy, in the event that a subcontractor fails to carry workers comp, or lets their workers comp coverage lapse. Premiums start at $650/year.

Earthquake and Flood

we have both NFIP (federal flood) as well as private flood options.

Davis-Stirling Act Insurance Requirements

Professionally Managed HOA Insurance Quote Request

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