Scottsdale HOA and association insurance
Master property, general liability, and D&O for boards and managers — not the unit owner’s HO-6.
An HOA or property-management file is the association’s master policy, the board’s directors and officers coverage, and the common-element property — not the unit owner’s HO-6. If you are a homeowner looking for walls-in and loss assessment, stop and go to the Scottsdale condo guide. If you are a board, manager, or a commercial building that happens to be an association, stay here.
What the association actually buys
Farmers lists HOA as an occupancy this office quotes. We start there. A master property form is trying to cover common elements — and, depending on bare-walls vs single-entity vs all-in, some portion of the units. General liability is the slip in the hallway, the pool, the gate. Directors and officers is the board being sued for a decision. Those are different forms. A cheap GL certificate is not D&O, and it is not the building.
Arizona already requires associations to tell unit owners, every year, the deductibles they may be responsible for. Boards that have never read their own deductible letter are the boards that discover a large number after a water claim. We are the association’s agent when you hire us for that file. We are not automatically every unit owner’s agent. Unit owners still need their own HO-6.
- Number of units, construction, stories, year built, updates
- Pool, spa, playground, gates, security, and any staff
- Master property limits, deductibles, ordinance-or-law, and what the CC&Rs say the association insures
- Claims and reserve conversation — we will not invent a reserve number
- D&O, fidelity/crime, and whether a manager needs to be named
- Lender or board requirements, and any current non-renewal
Managers, boards, and certificates
Scottsdale and north-Valley managers will send a sample certificate. Additional insured, waiver, and primary wording may or may not fit the association form. Send the management contract with the quote. The broader commercial placement order is in the commercial insurance guide. This page is the HOA occupancy Farmers already lists: master plus D&O, quoted from Hayden Road.
If the association owns a clubhouse restaurant, a golf cart fleet, or hired labor, say it. Those pull in restaurant, recreational, or workers compensation conversations. Do not hide payroll under “volunteer board.”
How we place it
We are a Farmers agency. Colby Neal is a third-generation Farmers agent. Farmers first on HOA and related commercial. If Farmers cannot write the construction, the claims, the high-rise, or the D&O, we shop Kraft Lake markets such as Liberty Mutual, Travelers, Progressive, National General, Mercury, Branch, Stillwater, Foremost, Steadily, and Pacific Specialty, depending on the line. We will say which path we are on. We will not invent a premium or a “best HOA rate in Scottsdale.”
Amanda, Dani, and Jordan have seen board packets before. English, Portuguese, and Spanish. Licensed AZ, CA, OK, TX. 10601 N Hayden Rd, Ste 112, Scottsdale, AZ 85260. Official page: agents.farmers.com/az/scottsdale/colby-neal.
What to send
- Legal association name and management company
- Dec pages, loss runs, and the annual deductible notice
- CC&Rs insurance section
- Board or lender wish list
- Effective date and whether you are mid-claim
Call or text (480) 860-0860. Tell us you are the board or the manager, not a unit owner. Unit owners: read the condo guide and call the same number for an HO-6.
FAQ
Does the master policy cover my condo interior?
Only if the master form and CC&Rs say so. Most unit owners still need an HO-6. That is the condo page, not this one.
Does Farmers write HOAs?
Farmers lists HOA among the commercial occupancies we quote. We start there. Call (480) 860-0860.
Can you write D&O only?
Sometimes. We still want to see the master and the claims. Bring the packet.
CRE owners who lease a whole building to an association, or boards that also need the clubhouse written as a restaurant, should say that in the first minute. The commercial guide is the placement order. This page stays on the association occupancy Farmers already lists. Call (480) 860-0860 with the number of units and whether you are the board or the manager.