Business Insurance for Homeowners Associations

If you’re on the board of a homeowners association (H O A), you know the challenges of maintaining your community’s high standards — especially when the unexpected happens.

Be sure to ask a Farmers® agent about insurance options for your condominium, townhouse or planned community — and choose the coverage your H O A wants.

Here are just a few ways you can personalize a Farmers policy to help manage typical risks:

Property damage



Neighborhood teenagers launch a bottle rocket that lands on your community clubhouse’s roof, setting it ablaze.


Business property insurance can help pay for damages to association buildings and common property caused by fires and other unforeseen disasters.

Unit Owners Coverage



The fire department extinguishes a blaze before major damage is done, but floods the patios of several units in the process and damages exterior fixtures.


Condominium property coverage can help when exterior fixtures are damaged.


Injured Son


A resident’s visiting grandfather is injured when he trips over broken pavement while crossing your complex’s common area.


Business liability insurance can help offset the costs of lawsuits and other claims brought against your association due to injuries sustained on your premises.




The former treasurer of the board misappropriates a large lump sum right before selling his condo.


Business crime insurance can help cover losses stemming from robbery or a board member’s dishonesty.

Farmers offers some of the most comprehensive H O A coverage choices

Here are some H O A policy highlights:

  • Building ordinance coverage can help when new or updated regulations increase the cost of repairing or replacing an older building.
  • Farmers writes policies for H O As based on location rather than individual structures. This means multiple buildings can share a single coverage limit — and just one line on insurance forms.

With Farmers, you can also customize your policy:

  • Directors and officers liability insurance can help cover costs if lawsuits or dispute claims are filed against an H O A’s board members.
  • An extended replacement cost option might help restore a building to its original condition if costs exceed your policy limit.

Farmers works to build strong customer relationships

Farmers has spent 90 years putting customers first. Are you shopping for coverage, or do you have a question about your policy? Maybe you’re ready to get an H O A insurance quote. Be sure to let a Farmers agent deliver personalized service and support.

You’ll experience a similar level of care from our knowledgeable claims representatives, who will provide assistance as quickly as possible.

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