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Community Association Insurance

Comprehensive Protection for HOAs & Property Associations

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Managing a homeowners’ association (HOA) or property owner association (POA) comes with financial and legal risks. Whether it’s property damage, lawsuits against board members, or liability claims, having the right insurance keeps your community protected.



At Cornerstone Insurance Agency, we offer customized community association insurance packages for HOAs, POAs, and property management associations. From general liability and commercial property to officers’ insurance and workers’ comp, we ensure full protection for your organization.


Let’s protect your community today. Get a quote now.

What Does Community Association Insurance Cover?

COVERAGE

A playground with a slide and swings in a park with trees in the background.

01

General Liability Coverage

Protects against claims from residents or visitors injured in common areas.

02

Commercial Property Insurance

Covers clubhouses, pools, fences, playgrounds, and other association-owned property.

03

Directors & Officers (D&O) Insurance

Protects board members from lawsuits related to their decisions and governance.

04

Workers’ Compensation Insurance

Covers injuries and lost wages for employees or maintenance workers hired by the association.

FAQs

  • Does my HOA need insurance?

    Yes! HOAs and property associations can be sued for injuries, discrimination claims, or mismanagement—insurance helps mitigate financial risks.

  • Does community association insurance cover board members?

    Yes, Directors & Officers (D&O) Insurance protects board members from lawsuits over financial and governance decisions.

  • What types of properties are covered under an HOA policy?

    Clubhouses, pools, fences, entry gates, and other common areas owned by the association are typically covered.

  • Is workers’ compensation needed for HOA employees?

    If the HOA hires employees or contractors, workers’ compensation ensures they’re covered for on-the-job injuries.

Still have questions? Call (979) 553-4343, and we’ll help customize the right coverage.

Comprehensive Protection for HOAs & Property Associations

Make sure your community is protected from liability, property damage, and board member lawsuits.



Let’s build a custom insurance package for your association today.