Insurance for Homeowner Associations

Are You Properly Protected?

At American Heritage Insurance Group, we’ve spent over 20 years protecting homeowners associations, their board members, and the associations’ members 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 policies for HOAs 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 Homeowners 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 the individual homeowners’ insurance policies. We consult with the board and if applicable the property manager to assess the exposures of your community and review your governing documents to ensure the common property is properly insured and all risks in the common areas are 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, protects all identified exposures, and complies with all 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 members is minimal.

Over 20 Years Protecting Homeowners Associations

Since 2001, we've helped boards of homeowners 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 Homeowners Associations

We’re experienced in placing coverage for a variety of homeowners associations across the United States:

Single Family Homes with a focus on common areas.
Planned Communities with a mixture of different kinds of living units and building types.
Civic Associations for neighborhoods and small communities.
Master Associations which are responsible for various amenities.
Housing Co-ops where the owners have shares in the entity owning the property.
HOA Communities with lakes, ponds and docks (and allow fishing).
Master Associations that contain multiple sub-associations.
Communities with Pools, Clubhouses, Fitness Centers, Golf Courses, Tennis Courts.

If your homeowners 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 Homeowners Association policies across the United States.

We Have The Ability To Offer Coverage In The Following States:

American Heritage Insurance Group is licensed across the United States (excluding Alaska and Hawaii).

High-Limit Umbrella Coverage

We've placed Umbrella Policies with limits up to $25 million for homeowners 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 homeowners association Insurance Coverage

We offer a comprehensive suite of products to meet the unique needs of your Homeowners Association:

Property Insurance Protects clubhouses, pool buildings, 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

Here’s what Board Members and Property Managers say about working with us:

“American Heritage Insurance Group and their staff possess a deep understanding of the types of insurance needed for homeowners associations and the specific coverages needed to ensure our Board and community members are fully protected and there are no gaps in our insurance program. We recommend American Heritage without hesitation to any homeowners association seeking a knowledgeable and dedicated independent insurance agency.”

Board Member, Cincinnati, OH

“As an independent insurance agency, American Heritage Insurance Group, consistently brings us competitive options for our communities from multiple insurance companies and presents those options in a format that is clear and concise and easy for the board to understand.”

Property Manager, Cleveland, OH

Why Does Your Community Need Directors And Officers Insurance?

Homeowners Associations need to provide their volunteer Board Members and Officers with D&O Insurance to ensure their personal assets are not exposed for making decisions involving the community’s business.

What Happens When You Contact Us?

Step 1:
Quote Comparison

Your homeowners 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 exposures.

Step 3:
Ongoing Support

From issuing Certificates of Insurance to handling complex claims, you call your homeowners association 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 homeowners association so you can focus on what matters: maintaining a vibrant, safe place for the owners to call home.