Single-Family HOA Insurance

McGowan Program Administrators (MPA) is a leading provider of insurance products for Single Family Homeowners Associations nationwide for Property, General Liability, Directors and Officers, Crime and Umbrella insurance.

Have questions? Contact Jeff Marsh for more information.

Download Single Family HOA Application

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Download Single Family HOA SOV

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Download Single Family HOA Flyer

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Product Details

ELIGIBLE CLASSES

  • Single-Family Homeowners
  • Master associations
  • No maximum number of units/members
  • Coastal
  • Stand-Alone General Liability

PRODUCT/LIMITS

  • General Liability $1MM/$2MM
  • Property Blanket up to $5MM
  • Crime: up to $50,000
  • Privacy & Cyber: up to $100,000

CARRIER

  • Backed by ACE Westchester A.M. Best Rated “A XV” carrier.

TERRITORY

  • AZ, CA, CT, CO, DC, DE, GA, IL, IN, MA, MD, ME, MI, NC, NH, NJ, NM, NV, OH, OR, PA, RI, SC, TN, TX, UT, VA, VT, WA, WI

SPECIAL FEATURES & COVERAGES

  • Blanket Building Coverage
  • Ordinance & Law
  • Equipment Breakdown
  • Loss of Income & Extra Expense
  • Medical Payments
  • Property: Special Form replacement cost blanket building
  • Property in the open (when scheduled)
  • Bridges for pedestrians
  • Exposures including clubhouse, fitness center, pool, lake, playgrounds, outside courts
  • Ineligible exposures: boat docks, boat ramps, dams

TO OBTAIN QUOTES

Agents with McGowan broker appointment in place can obtain terms by completing the SFHOA package application and email to HOAapps@mcgowanprograms.com.

TO BIND COVERAGE

The following items are required in order to bind coverage:

  • A written request to bind on or before the effective date;
  • A fully complete application;
  • Three years of currently-valued carrier generated loss runs.
  • Completed signed and dated statement of values.

Resources

5 ways community associations can protect themselves from theft and fraud ebook

Preventing Theft & Fraud

understanding community association governing documents ebook

Understanding Governing Documents

community association governance ebook

Community Association Governance Guide

the four Cs of a successful community association ebook

The Four Cs of Successful Community Associations

4 questions you must ask about your community association insurance ebook

4 Questions You Should Ask

“Stuff” other people can do that gets you in trouble!

 

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What is a Community Association?
What Protects Volunteer Community Association Board Members?
What are the most common D&O Claims?
What is the difference between a Continuity Date and a Prior and Pending Litigation Date?
Non-Monetary Claims
Who is covered under D&O Liability Policy
What is a Claims Made Policy
What isn’t covered by a D&O Policy
What is a Hammer Clause
What is Severability in an Insurance Policy
Difference Between Defense and Indemnity
Does your Policy cover a Developer or a Developer Representative?
What is an Insured vs Insured Exclusion?
What is the Difference Between Defense Outside the Limits and Defense Inside the Limits?
Can We Choose Counsel Under Our Policy if There’s a Claim?
If Multiple Entities Share Documents, Can They Be Covered Under the Same Policy?
Association has no Employees, Why should we have Employment Practices Liability Under Policy?
What types of associations fit within our program?