The most extensive policy of its kind, Coastal Advantage provides your client with the assurance that it has chosen the most comprehensive coverage in the marketplace.


  • Residential buildings
  • Garages – detached or attached
  • Common area non-residential buildings
  • Attached signs
  • Structures including cabanas, recreation courts and fixtures, pool houses, gates, gatehouses, storage sheds, shelters, mailboxes, gazebos, pump houses, fences, walkways, roadways, other paved surfaces, outdoor fixtures, outdoor “swimming pools,” flagpoles, light poles, fountains, outside statues, temporary seasonal structures, detached signs, freestanding walls other than retaining walls
  • Buildings and structures including structural glass, pipes, wires, conduits, ducts, chutes, flues, balconies, indoor or rooftop “swimming pools”, porches, decks, patios, satellite dishes, radio, television and other antennas including their wiring, masts, footings, foundations, moorings, towers; and other property not within “units”, utilities, heating/ventilation/cooling systems, sprinklers/fire protection/security systems, permanently installed building machinery/equipment, other mechanical elements
  • Foundations for buildings, structures, and garages
  • Community personal property including tools, construction materials, building supplies, temporary structures used in construction activities, indoor and outdoor furnishings, decorations, fixtures, equipment, appliances, machinery, window treatments, “money and securities,” “computer equipment,” “media,” “valuable papers and records,” accounts receivable, and other community property
  • Ordinance or law – coverage for loss to the undamaged portion of the building
  • Equipment breakdown now includes both “green” upgrade coverage and “power quality” improvement coverage


  • Maintenance fees and assessments
  • Increased period of restoration
  • Community income
  • Extra expenses


  • Demolition of the undamaged part of the building – $300,000 basic limit
  • Increased cost of construction – $300,000 basic limit
  • Bridges, bulkheads, docks, piers, retaining walls, wharves – $10,000 limit
  • Worldwide crime coverages – $150,000 limit
  • Newly acquired buildings and structures – $250,000 limit


  • Natural outdoor property (named peril coverage)
  • Pollutant clean up and removal
  • Removal of fallen trees
  • Debris removal
  • Property removal
  • Employee dishonesty
  • Maintenance fees and assessments
  • Computer fraud
  • Increased period of restoration
  • Depositors forgery
  • Community income
  • Extra expense


  • No general aggregate
  • Hired auto and non-owned auto
  • Property damage legal liability – $1,000,000 limit
  • Advertising and personal injury
  • Garage and parking area legal liability – $25,000 comprehensive limit/$25,000 collision limit
  • Host liquor liability
  • Contractual liability
  • No charge for additional insured endorsements for off-premises meetings
  • Board members, committee members, community managers, and unit owners included as insureds


  • Environmental impairment liability
  • Additional claims expense
  • Earthquake and volcanic eruption
  • Pesticide or herbicide applicator coverage
  • Community manager endorsement – employee dishonesty
  • Computer virus coverage
  • Extended replacement cost up to 25%
  • Employee dishonesty – actual loss sustained (ALS)
  • Guaranteed replacement cost


  • No coinsurance
  • No vacancy/unoccupancy condition
  • No exclusion for unit owners injured in common areas under medical payment coverage

Douglas Henken
Director of Business Development
855 910 7642

Coverages Offered

Bodily Injury And Property Damage

Business Personal Property

Business Personal Property Coverage

Business Personal Property Off Premise Coverage

Commercial Property

Damage To Third Party Property

Liability For Guests’ Property

Outdoor Property Destruction

Personal Property In Transit

Property Coverage For Personal Property In Rooms Furnished By Operator

Property Damage

Property In Transit

Property Off Premise

Temporary Relocation Of Property

Employee Dishonesty Coverage

Employee Dishonesty, Including ERISA

Computer Fraud

Computers And Media Insurance Coverage

Interruption Of Computer Services

General Liability

Environmental Safety & Energy Efficiency Improvements

Green Environmental & Efficiency Improvements



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