Community association insurance, brought together.
Coordinate coverage for your buildings, board and shared spaces with a team focused on condos, HOAs and co-ops. Confirm the selected policies, issuing carriers and terms with your quote.
Less chasing paperwork. More clarity for your board.
Separate policies, renewal dates and document requests can make insurance harder to manage than it needs to be. Beagle helps you review the coverage together, with a specialist team supporting your association.
Review the issuing carriers and current ratings for the policies proposed to your association.
Start with the buildings, the board and the community.
Association property
Buildings, common areas, shared structures and association-owned equipment. Governing documents help define what the association must insure.
General liability
Protection for covered third-party injury and property-damage claims involving the association.
Directors and officers
Coverage for the board and its decisions, subject to the terms of the policy selected.
Additional coverage options
Discuss crime and fidelity, cyber, umbrella and equipment breakdown with the association team. Availability and terms vary by community and market.
Coverage is subject to policy terms, exclusions, deductibles and underwriting. Your quote confirms the coverage available for your property.
| Property or exposure | Review with association documents | Review with the unit owner's policy |
|---|---|---|
| Common buildings and spaces | Association ownership, required insurance and the master policy schedule. | Any unit-owner responsibility established by governing documents. |
| Unit interiors and improvements | Which original fixtures or improvements the association must insure. | Interior property, betterments and any coverage assigned to the owner. |
| Belongings and personal liability | These are separate from the association's common-property responsibility. | Personal property and personal liability under the selected unit-owner policy. |
| Deductibles and assessments | How loss costs or deductibles may be allocated under the documents. | Any loss-assessment coverage, limitations and applicable deductible provisions. |
New York DFS: condominium and tenant insurance responsibilities
For the people responsible for the community.
- Condominium and co-op associations
- HOA and active-adult community boards
- Community association managers
- Broker partners advising associations
Know where the association’s responsibility ends.
The governing documents determine which parts of a unit the association must insure. Owners still need their own coverage for belongings, personal liability and property assigned to them.
How to get covered.
Share the community details
Bring the property schedule, governing documents, current policies and renewal dates.
Coordinate the coverage
Review the association’s responsibilities, coverage options and renewal needs with our team and your broker, if you use one.
Prepare for the board
Review the proposed terms and confirm the documents, certificates and claims contacts for the policies you select.
Make the next board conversation easier.
Review the program details with your board or broker, then bring your policies and renewal dates to the association team.
Frequently asked questions
Our team helps coordinate the association’s coverage. Your quote identifies which policies, carriers, limits and renewal dates apply. Additional and companion coverages depend on availability and underwriting.
Bring your association’s coverage together.
Talk to the association team
