Get the Homeowner Association Insurance Coverage You Deserve

Coverage for Your Community

Residential community insurance, or homeowner association insurance, can be tailored to meet the specific needs of your building(s) or property. A State Farm® agent can help you find a policy that is right for you.

Options Available for Your Policy

Below are a few customizable features available in our residential community insurance and homeowner association insurance policies:

  • Building Coverage — All inclusive, covering the building(s) and anything attached to it, i.e., fixtures, flooring, and cabinets, as well as any auxiliary structures a residential community association would have such as signs, fencing, garage(s), pool, and/or clubhouse.
  • Comprehensive General Liability — Helps protect the insured against legal liability caused by bodily injury, property damage, personal injury, and advertising injury to others.
  • Directors and Officers Liability — Coverage that protects members of the board in their management of the association.        
  • Employee Dishonesty — Provides coverage in the event of a direct physical loss to business personal property, money, or securities caused by a dishonest act committed by an employee. If an association contracts someone to manage the property for them, i.e., a property management firm, the association would need to obtain a fidelity bond as part of the commercial property policy.
  • Building By-Laws — Covers the loss of value and increased cost due to the enforcement of municipal laws or ordinances regulating the construction or repair of damaged buildings caused by an insured loss.
  • Identity Restoration and Data Compromise — Provides coverages that work together to help you and your business get back on track after a data breach occurs or if you, the business owner, become a victim of identity theft.

In addition to your property and liability insurance needs, you may also need commercial auto insurance.

Let a State Farm agent help you customize a plan for your association that is tailored to your needs.


This is only a general description of coverages of the available types of insurance and is not a statement of contract. Details of coverage, limits, or services may not be available for all businesses and vary in some provinces. All coverages are subject to the terms, provisions, exclusions, and conditions in the policy itself and in any endorsements.