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HOA & Condo Association Insurance

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Protect Your Community

Managing a homeowners or condo association in Coastal Carolina comes with unique responsibilities — and real risks. We help boards and property managers protect their communities with tailored coverage that addresses hurricanes, coastal wind exposure, shared property, and board liability. Our team works with HOA leaders across Brunswick County and surrounding

coastal communities, providing clarity, guidance, and competitive options from multiple top-rated carriers.

COMPREHENSIVE COVERAGE OPTIONS

How We Can Help

  • Property Insurance for Common Areas

    Protect buildings, clubhouses, pools, fences, roofs, and shared structures from fire, storm damage, and coastal wind events. This is the foundation of any HOA or condo master policy.

  • General Liability Insurance

    Covers injuries or accidents that occur in shared spaces like walkways, gyms, or pool decks. This protects the association from costly claims or lawsuits.

  • Directors & Officers (D&O) Liability

    Board members make decisions that impact the community every day. D&O shields them from personal liability for claims related to mismanagement, discrimination, failure to enforce bylaws, and more.

  • Crime & Fidelity Bond

    Protect the association’s funds from theft, fraud, or misconduct. Many lenders and state regulations require this coverage for HOA and condominium associations.

  • Commercial Umbrella Insurance

    Provides an added layer of protection above your general liability or D&O limits — especially important for waterfront or high-traffic communities.

guidance you can trust

How HOA & Condo Insurance Works

A strong HOA master policy should coordinate seamlessly with individual unit owners’ policies. Here’s what you can expect when we help you structure coverage:



  • We review your bylaws to determine where HOA responsibilities end and unit owner obligations begin.
  • We compare master policies from multiple carriers to ensure proper building, liability, and flood coverage.
  • We address coastal risk exposures, including wind/hail deductibles, named-storm coverage, and flood requirements.
  • We help educate board members so everyone understands the association’s coverage and responsibilities.
LOCAL EXPERTS FOR COASTAL COMMUNITIES

Trusted by HOAs Across Coastal Carolina

We’ve assisted HOA boards from Leland to Ocean Isle Beach in reviewing and restructuring their insurance programs — often uncovering gaps related to wind damage, flood exposure, or outdated property valuations. Our coastal expertise helps ensure your policy responds when your community needs it most.

Protect Your HOA With Confidence.