Insurance for Condominium Associations
Are You Properly Protected?
At American Heritage Insurance Group, we’ve spent over 20 years protecting condominium associations, their board members, and the unit owners from the risks that can affect their communities and can put them at financial risk. Our dedicated specialists have deep knowledge of the specific insurance companies offering master policies for communities and will shop every available market to find your association the best coverage at competitive rates.
American Heritage Insurance Group offering you expert guidance and personal service when you need it most.
Why Condominium Associations Choose
American Heritage Insurance Group
You Get a Community Association Specialist,
Not a Generalist
We understand the critical gap protection needed between the association’s master policy and individual unit owners' policies. We review your governing documents to determine if you need "Bare Walls," "Single Entity," or "All-In" coverage or something else, so everyone is properly covered.
We Shop All Providers on Your Behalf
to Get the Best Coverage and Best Price
We act as independent advisors, comparing rates and policies from every major insurance company to secure the most cost-effective solution for your community. We ensure that your master insurance policy meets the requirements of your declaration and satisfies owners’ mortgagee requirements and applicable state laws .
Personal Claims Support When Disaster Strikes
Your Association
When you file a claim, you reach your dedicated specialist directly - not a 1-800 claims center. We advocate for you throughout the entire process and make sure that your situation is addressed as quickly as possible and the impact on your community and unit owners is minimal.
Over 20 Years Protecting Condominium Associations
Since 2001, we've helped boards of condominium associations and property managers navigate severe weather events, high-deductible environments, non-renewals of insurance policies, and catastrophic claims, while maintaining a focus on proper insurance coverage and affordability for the communities.
We Insure All Types of Condominium Associations
- High-Rise Condominiums with complex mechanical systems.
- Townhouse-Style Communities with attached units and shared roofs.
- Luxury Developments with high-value common amenities.
- Mixed-Use Properties combining residential and commercial risks.
- Detached Condo Communities (Standalone Condos/Patio Homes).
- Historic Conversions with unique structural and code exposures.
- Apartment Style Condos with exterior entrances or common hallways.
- Communities with amenities (Pools, Clubhouses, Lakes/Ponds, Golf Courses).
If your conodminium association has unique features, we have the insurance company relationships to find you coverage.
Licensed to Protect Communities Across the Nation
American Heritage Insurance Group is licensed and actively writing Condominium Association policies across the United States.
We Have The Ability To Offer Coverage In The Following States:
American Heritage Insurance Group offers licensed insurance solutions across the continental U.S. (excluding Alaska and Hawaii)
High-Limit Umbrella Coverage
We've placed Umbrella Policies with limits up to $25 million for condominium associations.
Specialized Coverages Available
Flood and Earthquake Insurance, Directors and Officers Insurance, Crime/Fidelity, Cyber Insurance, Workers Compensation, and Volunteer Insurance and Accident Medical.
Comprehensive Condo Association Insurance Coverage
We offer a comprehensive suite of products to meet the unique needs of your Condominium Association:
- Property Insurance Protects residential buildings, clubhouses, monuments, fences, and other outdoor property from insurable events and mechanical breakdown.
- General Liability Insurance Covers legal liabilities for accidents or injuries occurring on common property and shared amenities.
- Directors and Officers Protects volunteer board members against claims of mismanagement, wrongful acts, or breach of fiduciary duty.
- Crime/Fidelity Protects your operating funds and reserves from theft or fraud committed by employees, non compensated officers, and property managers.
- Flood/ Earthquake Standard policies typically exclude these coverages, requiring separate policies or endorsements, especially in high risk areas.
- Umbrella Insurance Provides extra protection above the limits of the General Liability and D&O policies for catastrophic claims.
Real Protection. Real Results. Real Peace of Mind
“We have worked with Mike Rice and American Heritage Insurance Group for a number of years and can attest to their knowledge and expertise in the unique risks faced by condominium associations. Their transparency and proactive communications have made insurance one of the most “worry-free” aspects of our role with the communities with which we work as a property manager.”
Property Manager, Cincinnati, OH
“When our community had a claim, American Heritage Insurance Group responded immediately and acted quickly to file the claim and then coordinated with the insurance company, property restoration service, claims adjuster, and unit owners to ensure everyone’s concerns were addressed and they provided clear updates throughout the process. The entire claim process was “stress free.
Board Member, Florence, KY
Complete Your Condo Protection
As an owner of a condominium, you need to insure some portion of your unit. This responsibility is outlined in the Declaration for your community.
What Happens When You Contact Us?
Step 1:
Quote Comparison
Your condominium association insurance specialist shops every major company to find coverage that fits your community's risk profile.
Step 2:
Clear Recommendations
We present options to the Board and your property manager in plain English, explaining what is covered, what is excluded, and how to manage the association's deductible options.
Step 3:
Ongoing Support
From issuing Certificates of Insurance to handling complex claims, you call your condo insurance specialist directly. No phone trees.
Protect Your Community. Protect Your Board. Protect Your Owners
You’ve been entrusted to protect the community’s assets. Let us handle the insurance for your community so you can focus on what matters: maintaining a vibrant, safe place for the owners to call home.