Homeowner Association Common Area Package

Eligible States: Texas

AM Best A Rated

Eligible classes include Homeowner Association Common Areas. Lines of coverage include Property, General Liability, Crime, D&O/ EPLI, Liquor Liability, and Umbrella. Property with Wind and Excluding Wind are offered.

  • Classes Considered:
    • Residential Homeowners Associations Amenities
  • Coverages Offered:
    • Property including OR excluding wind
    • Flood
    • General Liability including non-owned and hired auto
    • Commercial Crime
    • Directors and Officers / EPLI Liability
    • Commercial Umbrella
  • Features and Options:
    • Property Enhancement Endorsement
    • Property deductibles ranging from $1,000 to $25,000
    • Texas:
      • Named Storm and Hurricane Only deductible options of 2%, 3%, 5%, and 10% in Tier 1.
      • Tier 2-4 subject to all other perils deductible
    • Texas: Special flat hail damage deductible applies in certain counties
    • Agreed Amount Property option
    • Blanket Building Coverage option
    • Disappearing Property Deductible
    • Greensurance for environmental friendly upgrades
    • Environmental Impairment Liability/ Pool & Spa Contamination Coverage with Limit Options of $250,000, $500,000, or $1,000,000
    • Ordinance or Law with options of $250,000, $500,000 or $1,000,000
    • Primary Flood if not in a special flood hazard zone $750,000 Limit
    • General Liability Enhancement Endorsement
    • Pesticide Herbicide Liability
    • Employee Benefits Liability
    • Liquor Liability
    • GL Mold liability
    • Optional $2M/4M General Liability option
    • Garagekeeper’s Direct Primary with limit options of $250,000, $500,000, or $1,000,000
    • Employee Theft Coverage
    • Discovery or Loss Sustained Coverage Form
    • Blanket Crime for Employee Theft, Money, Securities, Forgery & Alteration, Money Order & Counterfeit Currency, Funds Transfer Fraud, and Computer Fraud
    • Guaranteed Compliance Employee Theft Option
    • Social Engineering (Deception Fraud) Coverage Option
    • Umbrella included D&O/ EPLI with limit options of $1M, $2M, or $5M
  • Eligibility and Authority Levels:
    • Excluding wind property up to $10,000,000 per building
    • With Wind up to $4M in house- Brokerage markets available for larger accounts
    • Age of building 1970 or newer
    • Frame and Joisted Masonry must have sprinklers if over 3 stories
    • Fire Protection class 1-7 are considered
    • Polybutylene, cast iron, or galvanized piping is not eligible
    • EIFS considered if not over Frame or Non Combustible or decorative only
    • No armed security guards
    • No pools with diving boards or slides
    • Pool drain cover must meet Virginia Graeme-Baker Act
    • Pool rules must be posted and enforced
    • Pool must be enclosed by 4’ fence with self-latching gate
    • $750 Minimum Premium

Coverages Offered

Directors And Officers Liability

Employment Practices Liability (EPLI)


Package (All Lines Of Coverage)

Commercial Package Policy

Commercial Umbrella

Umbrella Liability


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Contact Coastal Insurance Underwriters, Inc.