Smart, Strong Coverage for Florida Communities
Looking for reliable property insurance for your HOA or Condo Association? This Commercial Residential Coverage program is designed specifically for Florida communities — including coastal and barrier island properties — and delivers both strength and simplicity when it comes to protecting your buildings and your budget.
COVERAGE DESIGNED FOR
- Homeowners Associations (HOAs) & Condominium Associations (COAs)
- New construction and updated buildings (1990s+)
- Barrier islands and coastal communities (statewide, except Monroe County)
What's Covered?
Property insurance tailored for:
- Homeowners Associations (HOAs)
- Condominium Associations (COAs)
- Coverage available statewide (excluding Monroe County)
- Eligible properties include new construction and older buildings (1990s) that have been updated
- Competitive rates for a wide range of community types, including those on barrier islands
Built for Confidence
- Financially stable, A-rated provider
- Reinsurance program that exceeds regulatory standards
- Streamlined claims process designed to deliver fast, accurate payments for covered losses
A Smarter Alternative to Citizens
Concerned about unexpected costs? This coverage offers competitive pricing while helping policyholders avoid the risk of up to a 15% Policyholder Assessment — a cost often associated with Citizens policies. With this program, what you see is what you get: dependable protection with no hidden surprises.
Why Choose This Program?
- A-rated financial strength
- Reinsurance program that exceeds state requirements
- Streamlined claims process with fast, accurate payments
- Competitive rates without the risk of Citizens’ 15% policyholder assessments
Our clients benefit from the strength and stability of industry-renowned insurance companies
Coverage Backed by Leading Carriers
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Submit your info today and get a quote tailored to your community’s needs.
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Thank you!
What started 34 years ago as a small, family-run agency has grown into a trusted name across the state. Today, we’re three generations in, still proudly family-owned, and offering the kind of personal guidance and long-term relationships you won’t find with big-box insurance.
ABOUT US
Decades of expertise
