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Looking for Better Insurance? We've got you covered

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

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California (License #0H31913), Colorado, Florida, Illinois, North Carolina, South Carolina, Georgia, Texas, Arizona, Indiana, Idaho, Nevada, Virginia/DC, Maryland and Washington

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  • Provide Comprehensive Coverages
  • Responsive Claims Department
  • 24/7/365 Online Certificate of Insurance
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  • 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
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  • Focused on Industry Trends & Education
  • Dedicated Industry Professionals
    • Community Insurance & Risk Management Specialists (CIRMS)
    • Professional Community Association Manager (PCAM)

 

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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

Robert Barlow, PCAM®, CIRMS

Executive Vice President, Insurance Services
Jacob_Bell

Jacob Bell

Director, Insurance Services
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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)

This Form should only be used when you are requested by your Mortgage Company, or Other Potential Certificate Holder, to update them with evidence of Hazard Insurance (Certificate of Insurance) on an existing Property that comes up for an Annual Renewal

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Ask A Question

Have a question, can't find an answer, or just want to have your voice heard - use this form to send your comments.

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Claim Report Form - Association

If you have a Claim you wish to file, please use this form.

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Commercial Auto Claims Report Form

If you have been notified or are aware of a Claim for Property Damage, Auto Liability and/or General Liability or Claim made Against You by a Third Party, please fill out this form

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Community Association - Insurance Quote Request

To automatically submit your request for Master Policy Insurance Coverage to our company, please fill out and submit the following form.

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Condominium Master Insurance Application

To automatically submit your request for Condominium or Homeowner Insurance Master Coverage to our company, please fill out the following information and submit the form with attachments.

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Employment Application

If you are interested in joining our team at RealManage Insurance Services use this form.

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Incident Report Form - Association

If you are aware of an Incident that may result in a potential claim please fill out this form.

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Information Request

To request additional information please fill out this form.

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Insurance Services RFP

To automatically submit your request for proposal, please fill out and submit the following form.

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Request For Condominium (HO-6) or Homeowner (HO-3) Coverage

To automatically submit your request for Coverage, please fill out and submit the following form.

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Request for Snow Insurance & Weather Event Cancellation

To automatically submit your request for Coverage, please fill out and submit the following form.

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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 AutoThis 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.


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