Condo Associations & HOAs

Protecting a condominium or HOA property is a challenge. Let us secure the best possible coverage at the most reasonable cost to protect your property and your Directors.

No two properties are precisely alike. Finding appropriate insurance coverage requires a thorough analysis, in-depth industry knowledge, and access to high-quality products.

Understanding Governing Documents

Proper insurance coverage must stem from your association’s governing documents. They may include your Articles of Incorporation, By-laws, Declaration of Covenants, Conditions and Restrictions (CC&Rs), rules and regulations, and more.

These legal documents describe the minimum protection the Board of Directors must provide for common elements and limited common elements on the property. The language in these documents can significantly impact your association.

Young Insurance reviews these documents carefully, pinpoints possible issues, and offers insight into your options.

Put the Pieces Together

A Colorado condominium or HOA master insurance policy includes many coverage types, and it is very important that your association has the correct combination to protect you from risk.

A master policy covers standard perils such as fire, hail, and lightning, but it may also address other risks. Flood, earthquake, wind, and sewer backup are just a few considerations.

Young Insurance provides expert advice on the proper general liability, Directors and Officers, and other coverages that you need to protect the Board and the association, and to meet Fannie Mae and Freddie Mac requirements. An umbrella policy provides full protection should claims on underlying polices extend beyond their limits.

All Insurance Needs Under One Roof

Your condo association or HOA may use many insurance companies now, but that’s not necessary. Young Insurance offers high-quality master policies, commercial auto, workers’ compensation coverage, and umbrella policies.

As a Colorado insurance expert, we’ve protected condo associations and HOA’s since 2006. Let us simplify the insurance process. We’ll provide a thorough risk analysis, expert advice, and value for your insurance dollar.

Understand Your Coverage

In Colorado, Condo and HOA insurance policies can be confusing and intimidating – but it doesn’t have to be that way. Let Young Insurance get to know your challenges, explain your options, and answer your questions.

Protecting an HOA or condominium complex is a huge responsibility. Let us lighten the burden.

We’re Independent

As an independent insurance agency, we’re not tied to particular products or carriers. Instead, we access many to find the best and only recommend them if they’re the right choice for your unique situation.

Claims Assistance

Overseeing an HOA or condo association means you’ll probably deal with a claim at one time or another. What sets Young Insurance apart from the competition is our outstanding customer service.

We’re a Colorado business just like you, and we’re here for you when you need to file a claim. Let us help you through the claims process for a fair settlement as quickly as possible. We’re a Dave Ramsey Endorsed Local Provider that prides itself on straightforward, honest business. We won’t sell you coverage unless it truly serves your association.

Contact us – we’re here to help.

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