Smith & Thomas Insurance

Florida HOA Insurance

Expert coverage for Homeowners Associations from a team that understands the risks your community faces. From liability to property coverage, we’ve got you covered.

a florida home in an association

Every HOA Needs Expert Coverage

We understand that life as a Homeowner Association Board Member is busy, and coverage is an easy thing to overlook. When considering rather your HOA’s current coverage is sufficient, consider that good coverage:

  • Protects the association from lawsuits, liability claims, and property damage
  • Covers board members against personal exposure
  • Ensures compliance with state regulations and HOA bylaws
  • Safeguards common areas, community property, and amenities

We Don’t Just Sell Policies—We Understand HOAs

We’ve been in your shoes: Our team has experience serving in their local communities, and our Managing Agent has served multiple terms as the President of his own community association.

Tailored Coverage: We offer liability, property, directors & officers (D&O) and more.

Local Expertise: Florida-specific risk management, including hurricane preparedness and flood concerns.

Comprehensive HOA Insurance Options

Property Coverage: Buildings, amenities, common areas, and equipment

General Liability: Protects against claims from residents or visitors

Directors & Officers (D&O): Board members’ protection from lawsuits

Fidelity & Crime: Employee theft and fraud coverage

Umbrella Policies: Extra coverage for catastrophic events

a row of homes in an association

Community Managers: Let’s Protect Your Communities

Are you a community manager looking to make sure your HOA communities have the right coverage? Call us or send an email today, and we’ll help you review, update, and simplify your insurance programs—so you can focus on running your communities, not chasing policies.

Ready to Protect Your HOA?

Call us at 863-688-1141 or request your quote online today and get started protecting your community.

FAQs

Factors include property value, community size, amenities, location, and claims history.

In most cases, board members are often protected from personal liability when acting in good faith, following your HOA’s bylaws, and making informed decisions. That’s exactly why Directors & Officers (D&O) insurance exists—it covers claims like mismanagement, errors, or alleged negligence that could otherwise expose board members personally.

However, personal liability can occur if a board member:

  • Acts outside their authority
  • Engages in intentional misconduct or fraud
  • Ignores state laws or HOA bylaws

With the right HOA insurance package, including D&O coverage, board members can serve with confidence, knowing they have financial and legal protection against most claims.

Yes! We offer complete HOA insurance bundles that can include property, general liability, Directors & Officers (D&O), fidelity, and umbrella coverage—all quoted and coordinated at once. This means your board can get what it needs and save time – because at the end of the day, we understand you’re volunteers!

This approach:

  • Saves time for busy boards
  • Reduces gaps in coverage
  • Simplifies renewals and claims