Habitational / HOA Insurance

HOA Insurance in MinnesotaHabitational or HOA insurance covers accidents or damages that occur in common areas and shared spaces. This includes lobbies, hallways, and things like the exterior of the structure and roof. This coverage ensures the structure will be repaired and done so in a timely and uniform fashion, independent of the individual tenants. Our experienced agents will help you figure out what coverage is needed and find the best rates. Contact us or request quotes to get started now.

HOA Insurance Coverage

Commercial Property
Covers damage to the exterior structure and common areas.
General Liability
Covers bodily injury sustained by guests to the property, when injury occurs in common areas. 
Directors & Officers
Covers the board of directors, if they are personally sued for wrongdoing in relation to their board position.
Workers Comp
Covers employees that are injured or made ill in the course of their work.
Commercial Umbrella
Covers liability losses that exceed the limits of the general liability policy.
Covers employee theft and robberies.
And More
There are a variety of additional coverage options that may be a good fit for you, depending on your needs. The master policies coverage and selection are typically the responsibility of the board of directors and property manager.  An owner’s personal policy, known as an HO-6 policy, is separate and an individual decision.


Does HOA insurance cover condo unit owners?
The association policy does not provide coverage for the personal furnishings, contents, or belongings of the unit owners. Nor does it cover the personal liability of unit owners. Each condo unit owner needs a separate condo insurance policy. It is imperative each owner purchase enough coverage to cover their own personal property, the association deductibles and Loss Assessment coverage, any improvements or betterments made after initial construction if not covered in the master Association policy, and loss of use for their unit through their owner insurance policy.
How do I find the best HOA insurance rates?
Insuring a homeowners association can be a complicated business. You should work with an insurance professional that has experience with HOAs and can access multiple insurance companies. MHS Insurance has experience and access to dozens of insurance companies.

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