We tailor our insurance solutions to the unique needs of condominiums, cooperatives, homeowner associations, and resort communities. Our team is well equipped to offer expert insurance advice and personalized services that meet any changes in your association – and ensure your community is protected. Let us put our specialty experience and knowledge to work to help you select the best insurance coverage to meet your community’s needs.
Why RealManage Insurance Services?
As one of the country’s leading community management companies, RealManage offers the right solutions, technology, and service to keep associations running smoothly.
That includes making sure your community is protected when the unexpected happens. That’s why we created Real Manage Insurance Services.
We’re 100% focused on insuring HOA and condo associations. And as part of Real Manage, we bring unparalleled insights, expertise, and solutions that work for communities like yours.
In addition, we’ve built strong relationships over the past two decades with the leading insurance carriers specializing in HOA and condo coverage. So you can be sure you’re getting the best coverage to safeguard your community.
Continuous Learning Opportunities
California (License #0H31913), Colorado, Florida, Illinois, North Carolina, South Carolina, Georgia, Texas, Arizona, Indiana, Idaho, Nevada, Virginia/DC, Maryland and Washington
- Provide Comprehensive Coverages
- Responsive Claims Department
- 24/7/365 Online Certificate of Insurance
- Emergency Response Team
- Attendance at Board Meetings
- Regular Site Visits
- 30+ Years of Industry Service
- People-Oriented Client Service Team
- Long-standing Active Member of CAI
- Focused on Industry Trends & Education
- Dedicated Industry Professionals
- Community Insurance & Risk Management Specialists (CIRMS)
- Professional Community Association Manager (PCAM)
Taking a Proactive Approach
Navigating the intricacies of community association insurance requires a proactive approach – especially when it comes to evaluating your community's loss history and the strategic benefits of insurer loyalty.
Annual reviews of updated loss runs are essential, providing insights into claim developments and losses reported after policies expire. But while some communities seek multiple bids for policy renewals each year, it’s crucial to understand the niche nature of community association insurance – and that options may be limited.
Let us guide you through these complexities and help you secure an insurance solution that values your community's history and fosters a lasting partnership. Contact us today for a personalized quote and start protecting your association with the expertise and quality services it deserves.
Coverages:
- Property/General Liability
- Workers’ Compensation
- Directors & Officers Liability
- Umbrella/Excess Liability
- Cyber
Policy Enhancements:
- Sewer Backup
- Ordinance & Law
- Employee Practices Liability
- Machinery & Equipment
- Flood & Earthquake
Also Available:
- Newsletters
- Educational Seminars
- Homeowner Coverage H03/H06
- Risk Management Services
- Risk Evaluation
- Special Events Policy
Meet Our Insurance Team Leadership
Robert Barlow, PCAM®, CIRMS™
Jacob Bell
Put our expertise to work for you
Navigating community association insurance is often time-consuming and frustrating. But it doesn't have to be. We'll take the time to understand your specific insurance needs and guide you through the complex process. The result? You’ll save time and stress – and have the peace of mind that your community is well-protected.
Insurance Office
We've put the insurance office online to provide you with more convenience and an office that never closes.
You can fill out any of the forms, all online anytime day or night.
To get started, simply click on the desired form below.
- Annual Insurance Certificate Request - (Owners Only)
- Ask A Question
- Claim Report Form - Association
- Commercial Auto Claims Report Form
- Community Association - Insurance Quote Request
- Condominium Master Insurance Application
- Employment Application
- Incident Report Form - Association
- Information Request
- Insurance Services RFP
- Request For Condominium (HO-6) or Homeowner (HO-3) Coverage
- Request for Snow Insurance & Weather Event Cancellation
Annual Insurance Certificate Request - (Owners Only)
Ask A Question
Commercial Auto Claims Report Form
Community Association - Insurance Quote Request
Condominium Master Insurance Application
Employment Application
Incident Report Form - Association
Insurance Services RFP
Request For Condominium (HO-6) or Homeowner (HO-3) Coverage
COMMUNITY ASSOCIATION INSURANCE TYPES
General Liability (CGL) - This insurance protects against claims others may make against the association. The four coverages provided are bodily injury, property damage, personal injury, and advertising injury. Coverage applies to accidents that occur during the policy and are subject to policy limits. Homeowners are also covered as additional insureds. There is usually no deductible.
Directors & Officers (D&O) - Disputes can and do arise over assessments, liens, and DRV's. D&O protects the association and its directors from claims of mismanagement. Coverage is provided for claims that are made against the association during the policy period, subject to the 'prior claims' or retroactive date. A deductible for each claim applies.
Commercial Property Insurance - Most associations have some commonly owned property. The property should be insured for its full replacement cost. This is likely not the same value that is on a reserve study which identified the cost to repair various items. It is important to have and review at Statement of Values every year. Property is subject to a deductible per claim. Often there is a separate, higher deductible for wind/hail. A wind/hail deductible buy-down may be available.
Fidelity/Crime - This coverage protects against the theft of cash by an employee - which, for community associations, includes directors, officers, and volunteers. The FHA and some states require condos and other community associations to carry this coverage with the management company named an additional insured.
Non-owned Auto - This insurance protects the HOA in the event someone who is driving on association business is involved in an accident and does not have adequate insurance to pay for all the damages.
Workers' Compensation - Many associations do not have employees. However, some courts have held homeowners associations responsible for paying workers' compensation benefits to employees of uninsured vendors injured while working for the association. Insurance is available that provides no-fault medical coverage if volunteers, board, or committee members working at the board's direction get injured.
Umbrella/Excess Liability - This policy provides additional limits of insurance for liability claims, Coverage should be excess of commercial general liability, auto liability and D&O. Every association should consider this relatively inexpensive additional coverage.
News Articles and Company Announcements
Visit our Blog for insightful articles, success stories, and tips from experienced community leaders. Discover practical advice, learn from the experiences of others, and find inspiration for effective community management.
Get a Free HOA Management Assessment
Elevate your HOA’s operation to new heights with professional HOA management!