HOA Insurance

As an HOA board member, you’re no stranger to the unique challenges involved with managing a community.

Isn’t it time you had an insurance partner that worked as hard as you do?

Tomins takes the headaches out of HOA insurance with our convenient 24-hour online portal and custom-tailored policies, built around the actual needs of your organization. With HOA Insurance from Tomins in your corner, you can rest easy knowing your community is covered.

You deserve an insurance partner that works as hard as you do. Tomins — mindful insurance today, successful HOA tomorrow.

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HOA Commerical Package

In most cases, the best insurance option for an HOA is a Commerical Package Policy that encompasses: Property, General Liability, and Directors and Officer’s coverage.

This is similar to a Business Owner’s Policy (BOP) in the sense that it packages a number of key coverages, a Master Policy can be a great way to save money on your premium.

Designed to provide coverage for both personal injuries and property damage, a Package Policy can help give an HOA the peace of mind of knowing the public spaces in the community are protected from an unexpected loss.

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Hispanic HOA president in a lavender dress shirt and blue jeans speaking to other members of the association at an HOA meeting

Does My HOA Really Need a Package Policy?

Considering that many States and municipalities require an HOA to carry General Liability and some form of Commercial Property coverage, opting for a Package Policy may end up saving you money in addition to better limiting your liability.

Factoring in the package price discount commonly available to Package Policyholders, it often ends up being a no brainer to carry one.

At the end of the day, a Commerical Package can typically offer much better protection at a very similar price, making it a great option for HOAs to look into. Considering all the risks associated with running a community of residents and managing public spaces, the cost of carrying a solid Commerical Package is often far outweighed by the potential financial liability of an uncovered loss.

At Tomins, we take a consultative approach to HOA Insurance. Our seasoned team of HOA insurance experts specializes in getting you all the insurance you need, with none of the coverages you don’t.

Rather than offer the same generic packages commonly-seen in the insurance industry, we take the time to understand your business and its needs.

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Other HOA Insurance Coverage Options

In addition to the base commercial package carried by the majority of HOAs nationwide, the following list represents some additional coverages you may want to consider.

  • Limited Care, Custody, or Control Property Insurance
  • Important Record and Document Coverage
  • Employment Practices Liability (EPLI)
  • Employee Benefits Liability Coverage
  • Workers Compensation Insurance
  • Sewer Drain Back-Up Coverage
  • Commercial General Liability
  • Business Income Insurance
  • Professional Liability (E&O)
  • Commercial Property

The last thing you need is one more thing keeping you up at night. If you need clarification into which of these coverages makes the most sense for your HOA, we are happy to help.

Isn’t it time you worked with an insurance partner that works as hard as you do?

Get your free personalized Tomins HOA Insurance quote today.

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HOA Commercial Package Cost

Because Tomins doesn’t believe in the one-size-fits-all approach to HOA Insurance, the cost of each policy we quote depends on the unique needs and operation of each individual HOA because the rating is based on the number of units in the community as well as the individual risks that each HOA has.

We are committed to getting you the most competitive price available on coverage you can trust.

Our personalized approach to HOA Insurance is designed to make sure you are getting all the protection you need and none that you don’t.

Get your free personalized quote today.

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What do I Need to Get My HOA Insurance Quote?

At TOMINS, we’re in the business of designing worry-free HOA insurance.

We are also in the business of making sure each policy we deliver is a perfect fit for the needs of the HOA.

With this in mind, we ask that you try to have the following information available before you apply:

  • Business address and tax ID 
  • Income for your most recently completed fiscal year 
  • Number of employees you currently employ
  • Information about other insurance you currently hold
  • Volume, nature, and storage method tenant or client data  
  • Proof of professional licensing and other relevant certifications or permits  
  • History of past claims (at least three years) 

Taking the time to make sure this information is up-to-date and accurate is the best way to ensure TOMINS can deliver the most competitive and accurate quote possible.

Tomins—mindful insurance today, successful HOA tomorrow.

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