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...me and single-family community associations, among others. We provide coverage...Program Highlights Community Associations Institute (CAI) National Member...

...artment complexes, condominium associations, townhome communities, and mixed-u... apartment complexes, condominium associations, townhome communities, and mixe...

...ddresses the insurance needs of homeowners associations (HOAs), condominium as... Package?This program is ideal for homeowners associations, condo associations, and planned unit developments ...

...vices, we specialize in placing homeowners risks that fall outside the standard market. Our Homeowners Insurance program is built for hard... program currently offered in?This homeowners program is currently offered in ...

... or a small portfolio of HOAs and condos, Colonial General can help you identi...his program?Established homeowner associations, townhome associations, residential and time-share condominium associations, and cooperative housing corpor...

...orkers’ Compensation for HOAs and condos with no payroll, and it includes prot...inesses, and handymen—useful when associations hire outside help. Is this prog...

...al Agency (AGA) offers a robust Homeowners and Personal Lines Insurance progra... solutions that go beyond standard homeowners policies. Their ability to blend...

... — including single-family homes, condos, cabins, duplexes, townhouses, and small multi-family units — are...m, or temporarily vacant. Standard homeowners or landlord policies often exclu...

Preferred Property Program, Inc. offers a comprehensive insurance solution tailored for habitational risks, including condominiums, apartments, and time-share properties. Through our specialized program, independent agents can access Umbrella Liability, Boiler & Machinery/Equipment Breakdown, and Environmental Impairment Liability coverage for their clients, all under one roof. Overview of the Program From Preferred Property This program is designed to address the complex liability and property exposures that habitational properties face. Whether you're working with a small condominium association or a large multi-building apartment complex, Preferred Property provides scalable solutions with competitive limits and carrier strength. Our carrier partners include top-rated names such as Zurich North America, Chubb (Federal Insurance), CNA, and Greenwich Insurance Company. Ideal Accounts and Appetite We focus on placing business for habitational risks, including: Residential condominiums and co-ops Apartment buildings and complexes Time-share properties and resorts Our program is a great fit for accounts with standard to high risk exposures needing broad protection. You might have a client managing multiple apartment buildings across several states or a time-share property in a coastal area—this program is built to handle those needs. Coverage Highlights and Advantages Umbrella Liability: Low limit options from $1 million to $5 million with Chubb, and higher limits up to $25 million with Zurich. We also offer an additional $25 million excess of $25 million with Chubb, for a total available limit of $50 million. Equipment Breakdown: Coverage for mechanical and electrical failures not typically covered under standard property policies. Environmental Impairment Liability: Limits available at $250,000, $500,000, or $1 million. No minimum premium required, making it accessible for smaller accounts. Underwriting Notes and Minimum Premiums Our Environmental Impairment Liability coverage is available with no minimum premium, making it ideal for properties of all sizes. While we evaluate accounts individually, our underwriting team is experienced in structuring layered limits and excess placements for complex habitational risks. We work closely with brokers to deliver fast quotes and flexible solutions. Territories and Availability This program is available on a non-admitted basis in the following states: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY. Why Work With Preferred Property Program, Inc.? Preferred Property brings deep expertise in habitational risks and a strong network of leading carriers. We offer layered limit structures, competitive pricing, and flexible underwriting. Our streamlined quoting process and responsive service make it easier for agents to win and retain complex habitational accounts. Whether your client needs a basic umbrella or comprehensive environmental coverage, we can help you deliver the right solution. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for condominiums, apartment buildings, and time-share properties of all sizes, including those with complex exposures or multi-location portfolios. What are the available umbrella limits?We offer umbrella limits from $1 million to $5 million with Chubb, up to $25 million with Zurich, and an additional $25 million excess with Chubb for a total of $50 million. Is there a minimum premium for Environmental Impairment Liability?No, Environmental Impairment Liability coverage is available with no minimum premium, making it accessible for smaller or lower-risk accounts. Which states is this program available in?This program is available in most U.S. states, including CA, FL, NY, TX, and many others. It is written on a non-admitted basis. Which carriers are involved in this program?We work with top-rated carriers including Zurich North America, Chubb (Federal Insurance), CNA, and Greenwich Insurance Company. Need help placing an account? Connect with a market specialist.

...nt: Condominium, townhouse, and homeowners association (HOA) projects are elig... Endorsed by multiple homebuilder associations for added market credibility ...