HOA Banner Desert 1
HOA Banner Dana Point 1
HOA Banner Pallm Springs
previous arrow
next arrow

Prendiville Insurance Agency Specializes in Homeowners Association (HOA) Insurance Coverage

We offer the most comprehensive HOA insurance coverage options available.

For over 30 years, Prendiville Insurance Agency has grown to be an industry leader in Homeowners Association (HOA) insurance. While representing over 100,000 units, we have become one of the Nation’s largest HOA Specialized Agents. Besides offering the right coverage at a competitive price, our specialty is educating homeowners and board members, supplying critical information to banks without hassle, and providing unmatched advocacy in times of a claim.

HOA Coverage

Prendiville Insurance Agency provides complete insurance coverage for all varieties of Common Interest Developments, including Homeowners Associations, Condominiums, Master Planned Communities, High Rise, Mid Rise, Adult Living and Mixed Use commercial properties.

Not only do we have the best coverage, but we have historically been the first to the marketplace in offering vital coverage. We were the first to offer Extended Replacement Cost, Optional Water Damage Deductibles, and coverage for Wind Damage to Trees in our Property Coverage. For Liability, we are the first, and only, company to offer Cyber Liability embedded in our HOA program. And for board members, we were the first to cover Volunteers in the Workers’ Compensation Policy. Our company is always striving to bring innovative coverage to the industry and our track record proves it.

Why Choose Us As Your HOA Insurance Provider?

  • The right coverage at a competitive price
  • Ongoing education of homeowners and board members
  • Supplying critical information to banks without hassle
  • Work directly with a specialist from Prendiville Insurance Agency, not a corporate 800 number
  • Unrivaled advocacy in times of a claim. Our in house Claims Coordinator guides the unit owner/board/manager through the claims process and in doing so, creates an easier process. This also creates the added benefit of eliminating claims that should not be filed, such as obviously uncovered or misplaced claims.



Years of Experience


Claims Processed

HOA Units Insured

Don Kolman

Woodridge Townhomes Assoc.

“Patrick takes the time to come to our location and educate the members on what is insurable and what isn’t. Prendiville Agency is professional and expeditious in the handling of claims. I would never go anywhere else for my insurance.”

Tom Kasterko

New Horizons South Bay Assoc. Board Member

“Been working with Prendiville Agency since 2014. They literally saved us $45K during the first year, while getting us better coverage than we had before. They are a one-stop shop for handling our HOA insurance needs. They always do a great job educating our homeowners and board members on the best coverage for an HOA. I would highly recommend them to other HOAs and actually I have several times!”

Ralph Wilson

Fountains at Sea Bluffs
CAI-OC Board Member of the Year, 2016

“We have been insured with Prendiville Insurance Agency for many years and are extremely satisfied. Patrick has been very helpful in explaining our coverage and providing us a very fair premium. I would not hesitate in recommending Prendiville Insurance Agency.”

Unrivaled Experience

We understand the complexities of these communities and the problems that arise when insured improperly. There are many insurance companies that are willing to insure Homeowner Associations, but oftentimes they do not include the intricate and appropriate coverages needed. As leaders in the HOA industry, many of our coverage options have been “first to market” and in some cases, we are the only ones in the market offering these key coverage options.

Accurate Building Coverage

When a catastrophe hits, knowing that your HOA’s Master Insurance Policy includes extended and guaranteed property limits will be a great comfort.

Insuring your Association properly serves many benefits. Two often overlooked benefits are:

1. Helps the Board comply with their mandated fiduciary duty of insuring to 100% of the true replacement cost of the Association.  
2. Helps to eliminate the possibility that your insurance company will penalize your claim payout as a result of underinsuring.

Guaranteed Replacement Cost

Some Associations want the added comfort that — no matter what — there will be enough property coverage available. With our Guaranteed Replacement Cost endorsement, we can deliver this added comfort, guaranteed!

Considering the rapid rate of inflation in lumber, steel, labor, and all other construction materials it makes sense to add this valuable coverage. Avoid the associated problems of running out of insurance proceeds with this valuable coverage.

Workers Compensation Coverage

There are only a few competitive insurance markets that offer insurance to HOA’s and Prendiville Insurance is one of them. In addition, we are among the very few that offer coverage to Board and Committee Members that are injured or become ill during their course of performing duties.

Due to California law, it is imperative that Homeowners Associations carry Workers Compensation Coverage in case there is a problem with an uninsured vendor. For instance, if your landscape contractor misses an insurance premium and has a lapsed insurance policy, you should assume that any work related injury will fall to the HOA for responsibility.

Wildfire & Brush Area Coverage

In recent years, California has seen a rapid increase in wildfires and associated insurance claims. Insurance premiums and non-renewals have also increased, especially if your HOA is in a brush fire zone.

Prendiville Insurance Agency can help you navigate these difficult renewals with the following:

  • Access to multiple ‘A’ rated insurance companies that will consider high fire zones.
  • WIldfire deductibles to keep premiums down and insurance options open.
  • Educate unit owners on the proper individual insurance needed to complement the Association policy. 

Wind Damage to Trees

All insurance carriers will cover damage to a building if a tree falls on it. But, what about the tree? We can cover not only the building, but we will replace the trees, as well. For example, if a big wind were to take down some of your association’s trees, our policy would cover the cost to remove and replace the trees, as well as any property damage they may have caused. Other insurance companies will not remove or replace any of the trees.

Water Damage Deductibles

Is your Association at risk of being uninsurable due to water damage claims? If so, your current insurance company may have suggested a higher deductible on all property claims. But, what if you have a simple fire? Our policy offers the ultimate flexibility of providing a low deductible for most property issues, and a higher water damage deductible. This not only reduces your Association’s insurance premium, but it also makes the individual homeowner more responsible for interior losses, such as bathtubs overflowing, refrigerator water-filtration systems breaking, and more. In these cases the individual homeowner’s insurance would cover the higher water deductible (and possibly all of the water damage).

Cyber Liability Protection

Online hackers and thieves are the newest threat in the insurance world. In these days of emails, electronic bank deposits, automatic HOA payments and association-run websites, Cyber Liability issues are becoming more problematic. That is why our policies include Cyber Liability Protection. This provides coverage for expenses incurred to notify homeowners, reimbursement for credit monitoring costs, as well as fees and costs related to cyber breach.

Earthquake and Flood Insurance

Prendiville Insurance Agency also provides Earthquake Insurance (via the California Earthquake Authority) and Flood Insurance.

We offer coverage from every available carrier in the State that offers this rather elusive coverage. More importantly, we work with your HOA Board to make sure that there is a solid understanding of the coverage options, which can be complicated to many. Through time tested written material and attendance at town hall meetings, we can help the homeowners understand the decisions at hand when deciding whether to purchase.

Directors and Officers Liability

We offer liability coverage for all Board and Committee Members for a wide variety of claims including, Non-Monetary Claims, Discrimination. Breach of Contract and on and on. Our Directors & Officers Liability coverage is among the best in the industry. In addition, we cover the Community Manager as an insured, often difficult to get.

Umbrella Liability Coverage

We offer a variety of high limit Umbrella Options at very reasonable premiums.

An umbrella policy extends over the General Liability, Directors and Officers, Auto and Employers’ Liability limits. Whether the association is trying to comply with the Davis-Stirling requirement, cover the association’s assets or address a certain worrisome exposure, selecting the proper liability limits is important. We can assist the Board in making this critical determination.

We offer Umbrella Limits from $1M to $50M from a variety of ‘A’ rated Insurance Companies.

Contact Prendiville Insurance to see if your current Homeowners Association Insurance coverage is comprehensive enough to meet your needs. Speak to one of our HOA Specialists to learn more.