Home Association Insurance


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As an independent insurance agency, we are associated with over 50 top rated insurance companies that offer the products that most appropriately meet the needs of our clients. Contact us today for a FREE quote!

Independent Agency

Unlike a captive agency that only represents one company, we are an independent insurance agency allowing you the choice of company, policy, and pricing. Our team is staffed with proven professionals to help guide you through the quoting process. We find the coverages you need at the prices you want. Once you become a client we are committed to providing you with the quality service you expect.

Insurance Policy

Customize Your Coverage

When you insure with us you have choices! Quote over 50 top rated insurance companies and choose the coverages you want and need when insuring your assets.

Home Association

Best Price Available

We quote all of our companies to ensure we are finding you the coverage you want at the best price possible. Our team continues this effort by checking rates at each policy renewal!

Home Association

Claims Service Team

Our service team is here to help! From start to finish we will guide you through the claims process and keep communications open to service you – our client.

Home Association Insurance

As a homeowner, it is essential to understand the various types of insurance available to protect your investment and ensure your peace of mind. One type of insurance specifically designed for homeowners who reside in a managed community is homeowners association insurance. Homeowners association insurance, also known as HOA insurance, is a specialized form of insurance coverage that protects community associations and their members from potential liability risks and unforeseen damages. It is generally designed to help cover shared property, common areas, and various liabilities related to the community.

Typically, homeowners association insurance covers a wide range of aspects related to communal living. This can include property damage caused by certain perils, such as fire, vandalism, or severe weather events. Additionally, it often provides liability coverage in case someone is injured on the common property or if there are legal disputes involving the community. The responsibility for purchasing homeowners association insurance typically falls on the shoulders of the community association or the HOA itself. The premiums for this insurance are commonly included within the association’s fees, which are then distributed among the homeowners.

The cost of homeowners association insurance varies depending on several factors. These include the size of the community, the types of amenities offered, the location of the community, the amount of coverage needed, and any additional customized coverage options. Generally, the cost is split among all homeowners within the association, making it a more affordable option compared to individual coverage.

Homeowners association insurance provides numerous benefits to both the association and its members. By pooling resources, the insurance can help protect the community from significant financial losses due to unexpected events or legal disputes. It gives homeowners peace of mind, knowing that they are shielded against potential liabilities that could arise from shared areas or common property within the community.

Homeowners association insurance plays a crucial role in safeguarding the interests of homeowners residing in managed communities. With coverage for shared property, liability protection, and financial security, it ensures both the association and its members are protected from potential risks or legal complications. By understanding the basics of homeowners association insurance, homeowners can make informed decisions regarding their insurance needs and enjoy the benefits it provides.

Insurance Services

At Insurance Group of Minnesota LLC, our policies are tailored to meet the unique needs of each customer. We offer flexible coverage options, competitive rates, and exceptional customer service to ensure that our clients have the peace of mind they need to insure their assets with confidence. Our home association insurance products can provide additional insurance coverages including:

    • Property insurance
    • General liability insurance
    • Directors and officers liability insurance (D&O)
    • Umbrella/excess liability insurance
    • Workers’ compensation insurance
    • Employment practices liability insurance (EPLI)
    • Fidelity bond coverage
    • Equipment breakdown insurance
    • Crime insurance
    • Cyber liability insurance
    • Commercial auto insurance
    • Landscaping coverage
    • Event liability coverage
    • Fence and gate coverage
    • Pool and amenity coverage
    • Garage and storage unit coverage
    • And more!

    Learn More

    With countless options and so much jargon to sift through, navigating the world of insurance can be daunting. But fear not! Our team of experts is here to help you learn more about insurance and the multiple companies and products available to you. View our Blog page to read more!