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Condo Association Insurance in Grants Pass OR & Medford OR

Common Area and Liability Coverage for Jointly Owned Properties

People often choose condominium living for the convenience, community, and the ability to rely on a condo association to maintain everything outside of their home. While condo owners are responsible for insuring and securing their personal space and property, the association is responsible for all common areas. As such, it’s important for condo associations to have the right insurance policy to protect against exposures like structural damage or the increased liability faced by having a pool or fitness center.

Depending on your association’s bylaws and whether you’re overseeing a high-rise deep downtown or townhomes in the suburbs, your coverage demands may vary. Our agents at Hart Insurance Agency carefully consider these factors, along with legal guidelines, to craft an insurance policy that meets the needs of your condo association in terms of products, limits, and deductibles.

Coverage Options for Condominium Association Insurance

Your association should have a master policy that covers all of your common structures and property including buildings, hallways, elevators, and sidewalks. But a truly complete insurance package will often also include options like these:

  • General Liability: A standard inclusion with many types of insurance, this protects you against all types of accidents and incidents that can occur on your property
  • Directors’ and Officers’ Liability: This keeps your board from being held personally responsible for decisions they make while serving the association
  • Sewer and Drain Backup Coverage: Although it’s often critical to have, protection against sewage backup is often excluded in a standard association plan

As mentioned, your insurance needs will be determined by your association’s operational practices, governing rules, and type of property. We can help you sort through the details to find the right plan.

Doing Our Best for You

At Hart Insurance Agency, we not only understand how to build a secure condo association insurance policy, we shop a number of the nation’s top carriers to ensure you get the best rates available. Contact one of our agents today and let us go to work for you.

Our Locations

Grants Pass Office

Grants Pass Office

321 SE I Street
Grants Pass, OR 97526
Main office: 541-479-5521
Fax: 541-474-1890
Medford Office

Medford Office

1123 Royal Ave.
Medford, OR 97504
Main office: 541-779-4232
Fax: 541-772-3963

Our Providers

Testimonials

I would like to share with you the exceptional service I got from Heidi Lloyd over the last few months. She worked with me to get my car repaired after I damaged it. It was a horrible experience and I was not looking forward to dealing with insurance issues/claims and then a potential increase in premium, etc. Heidi made it all work smoothly and simply without a hitch. I could not have expected a better outcome. Following that ordeal, she answered all my questions about my auto policy increase and pursued getting my policy reevaluated which resulted in premium savings! She not only did an outstanding job in terms of efficiency, responsiveness and outcome, she has great customer service skills and was very personable. Your office has handled my insurance needs for decades and it’s always been super, but Heidi made it even better.

Sally
I spoke with Deanie yesterday for my son who was looking for car insurance. She went above and beyond helping him. Great people with great integrity. #1 in my book!

D. Murphy
Very attentive and work well for both my business and personal insurance needs. Best agents I've had in a long time!

L. Mystics