Condominium & Homeowners Associations Insurance

Our HOA Insurance Programs offer your association many advantages.

From a complex fire to visitor injuries, Cox Insurance Services can help protect you from the risks you face running any type of association. We will review the Association’s CC&Rs and meet or exceed your HOA requirements.

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Our Agency is Experienced with HOA’s:

We specialize in HOA’s, Multi-Family and Commercial Real Estate Insurance programs that are designed to fit the needs of our clients. We understand the need for proper CC&R reviews to guarantee the proper insurance policy.
We don’t put your property in a “pool” or “master” policy. These types of policies are inferior in many ways. There are many agencies and programs that will write your property and liability on a Master Insurance policy that shares coverage with hundreds of other properties and separate owners. These policies can extend to cover many states that are subject to local disasters and subject your rates to claims from other non related properties.

Enhanced Coverage

Advanced Directors and Officers Coverage

Coverage for Frivolous Lawsuits

Expanded CC&R Coverage

Property Manager and Non-Monetary Damages

Additional Building Ordinance

Trees, Shrubs & Plants

Employee Dishonesty to 1 Million

Building Extended Replacement Cost to 150%

Annual Reviews

Itemized Proposals

We do not just deliver a price, we explain what the entire policy will cover

Umbrella Coverage up to $100 Million

No share umbrella, we have individual Excess liability coverage that is superior to Group Umbrellas.

Guaranteed Replacement Cost Analysis

We’ll provide a Reconstruction Cost Analysis Report this will enable us to recommend proper Building Coverage.

What Our Clients Say

“Over the past four years working with Logan Roberts at Cox Insurance Services, I have always felt like his number one client. He is quick to respond or answer his phone, gives personal customer service and always goes to bat for the HOA community I work for, saving us 5% or more each year in premiums. Now THAT is excellent customer service!”

Saundra McCarrell, CAAMExecutive Director, Ancala Homeowners AssociationAAM, LLC

Our policies are not available through Brokers and Independent Agents.

We are members of and work closely with several Commercial Real Estate Associations, and provide outstanding service to our Association’s Property Managers.

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