{"id":566,"date":"2021-06-05T19:33:58","date_gmt":"2021-06-06T02:33:58","guid":{"rendered":"https:\/\/www.prendivilleagency.com\/?page_id=566"},"modified":"2021-12-10T15:15:24","modified_gmt":"2021-12-10T23:15:24","slug":"homeowners-association-insurance","status":"publish","type":"page","link":"https:\/\/www.prendivilleagency.com\/homeowners-association-insurance\/","title":{"rendered":"Homeowners Association"},"content":{"rendered":"

[et_pb_section fb_built=”1″ fullwidth=”on” _builder_version=”4.12.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_nextend_smart_slider_3_fullwidth slider=”3″ _builder_version=”4.12.1″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_nextend_smart_slider_3_fullwidth][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” _builder_version=”4.6.1″ _module_preset=”default” custom_margin=”||||false|false” custom_margin_tablet=”” custom_margin_phone=”25px||||false|false” custom_margin_last_edited=”on|phone” custom_padding=”100px||0px||false|false” custom_padding_tablet=”” custom_padding_phone=”50px||||false|false” global_colors_info=”{}”][et_pb_row admin_label=”Source Serif Pro” _builder_version=”4.6.1″ _module_preset=”default” custom_margin=”||-10px|||” custom_padding=”||0px|||” locked=”off” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.6.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.11.2″ _module_preset=”default” text_font=”Source Serif Pro|700|||||||” text_text_color=”#056cf2″ text_font_size=”48px” text_line_height=”1em” custom_margin=”||18px||false|false” custom_margin_tablet=”||16px||false|false” custom_margin_phone=”||8px||false|false” custom_margin_last_edited=”on|tablet” text_font_size_tablet=”48px” text_font_size_phone=”36px” text_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

Prendiville Insurance Agency Specializes in Homeowners Association (HOA) Insurance Coverage<\/p>\n

[\/et_pb_text][et_pb_text _builder_version=”4.11.2″ _module_preset=”default” header_2_font=”Source Serif Pro||||||||” header_2_font_size=”42px” custom_margin=”||0px||false|false” header_2_font_size_tablet=”” header_2_font_size_phone=”34px” header_2_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

We offer the most comprehensive HOA insurance coverage options available.<\/h2>\n

[\/et_pb_text][et_pb_divider color=”#bf2604″ divider_position=”center” divider_weight=”8px” _builder_version=”4.10.5″ _module_preset=”default” width=”8%” custom_margin=”20px||35px||false|false” custom_margin_tablet=”” custom_margin_phone=”20px||35px|0px|false|false” custom_margin_last_edited=”on|phone” global_colors_info=”{}”][\/et_pb_divider][et_pb_text _builder_version=”4.11.3″ _module_preset=”default” text_text_color=”#000000″ text_font_size=”20px” text_line_height=”1.5em” width_tablet=”100%” width_phone=”100%” width_last_edited=”on|phone” module_alignment=”left” text_font_size_tablet=”” text_font_size_phone=”18px” text_font_size_last_edited=”on|phone” text_line_height_tablet=”” text_line_height_phone=”1.7em” text_line_height_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

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\u2019s 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.<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.6.1″ _module_preset=”default” positioning=”absolute” position_origin_a=”bottom_center” vertical_offset=”-34px” z_index=”-1″ max_width=”1600px” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.6.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/www.prendivilleagency.com\/wp-content\/uploads\/2021\/05\/triangle-right-bottom-1.png” align=”right” disabled_on=”on|off|off” _builder_version=”4.6.1″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.6.1″ _module_preset=”default” custom_padding=”62px|||||” collapsed=”off” global_colors_info=”{}”][et_pb_row column_structure=”3_5,2_5″ disabled_on=”off|off|off” admin_label=”HOA Coverage” module_class=”reverse_column” _builder_version=”4.11.3″ _module_preset=”default” custom_margin=”-45px|auto||auto||” custom_padding=”4px|||||” border_color_bottom=”RGBA(0,0,0,0)” global_colors_info=”{}”][et_pb_column type=”3_5″ _builder_version=”4.6.1″ _module_preset=”default” custom_padding=”50px||||false|false” custom_padding_tablet=”25px||||false|false” custom_padding_phone=”25px||||false|false” custom_padding_last_edited=”on|tablet” global_colors_info=”{}”][et_pb_text _builder_version=”4.10.1″ _module_preset=”default” header_2_font=”|700|||||||” header_2_font_size=”46px” custom_margin=”||0px||false|false” header_2_font_size_tablet=”” header_2_font_size_phone=”34px” header_2_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

HOA Coverage<\/h2>\n

[\/et_pb_text][et_pb_divider color=”#bf2604″ divider_position=”center” divider_weight=”8px” _builder_version=”4.10.1″ _module_preset=”default” width=”25%” module_alignment=”left” custom_margin=”20px||35px|-40px|false|false” custom_margin_tablet=”” custom_margin_phone=”20px||10px|40px|false|false” custom_margin_last_edited=”on|phone” global_colors_info=”{}”][\/et_pb_divider][et_pb_text _builder_version=”4.10.1″ _module_preset=”default” text_text_color=”#000000″ text_line_height=”1.8em” text_font_size_tablet=”” text_font_size_phone=”16px” text_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

Prendiville Insurance Agency<\/b> 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.<\/p>\n

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<\/strong>, Optional Water Damage Deductibles<\/strong>, and coverage for Wind Damage to Trees in our Property Coverage. For Liability, we are the first, and only, company to offer Cyber Liability<\/strong> embedded in our HOA program. And for board members, we were the first to cover Volunteers in the Workers\u2019 Compensation Policy<\/strong>. Our company is always striving to bring innovative coverage to the industry and our track record proves it.<\/p>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=”2_5″ _builder_version=”4.6.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/www.prendivilleagency.com\/wp-content\/uploads\/2021\/10\/HOA-1.jpg” title_text=”Aerial view of master-planned private communities with big villas with swimming pool, Mission Viejo.” align=”center” _builder_version=”4.11.3″ _module_preset=”default” custom_padding=”102px||||false|false” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.11.3″ _module_preset=”default” background_color=”#f7f7f7″ custom_padding=”62px|||||” collapsed=”off” global_colors_info=”{}”][et_pb_row column_structure=”2_5,3_5″ disabled_on=”off|off|off” admin_label=”Benefits” module_class=”reverse_column” _builder_version=”4.11.3″ _module_preset=”default” custom_margin=”-45px|auto||auto||” custom_padding=”4px|||||” border_width_bottom=”1px” border_color_bottom=”RGBA(0,0,0,0)” global_colors_info=”{}”][et_pb_column type=”2_5″ _builder_version=”4.6.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/www.prendivilleagency.com\/wp-content\/uploads\/2021\/08\/Homeowners-Association-Insurance-Coverage-Benefits.jpg” title_text=”Homeowners-Association-Insurance-Coverage-Benefits” align=”center” _builder_version=”4.10.1″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”3_5″ _builder_version=”4.6.1″ _module_preset=”default” custom_padding=”50px||||false|false” custom_padding_tablet=”25px||||false|false” custom_padding_phone=”25px||||false|false” custom_padding_last_edited=”on|tablet” global_colors_info=”{}”][et_pb_text _builder_version=”4.10.1″ _module_preset=”default” header_2_font=”|700|||||||” header_2_font_size=”46px” custom_margin=”||0px||false|false” header_2_font_size_tablet=”” header_2_font_size_phone=”34px” header_2_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

Why Choose Us As Your HOA Insurance Provider?<\/h2>\n

[\/et_pb_text][et_pb_divider color=”#bf2604″ divider_position=”center” divider_weight=”8px” _builder_version=”4.10.1″ _module_preset=”default” width=”25%” module_alignment=”left” custom_margin=”20px||35px|-40px|false|false” custom_margin_tablet=”” custom_margin_phone=”20px||10px|40px|false|false” custom_margin_last_edited=”on|phone” global_colors_info=”{}”][\/et_pb_divider][et_pb_text _builder_version=”4.10.1″ _module_preset=”default” text_text_color=”#000000″ text_line_height=”1.8em” text_font_size_tablet=”” text_font_size_phone=”16px” text_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

    \n
  • The right coverage at a competitive price<\/li>\n
  • Ongoing education of homeowners and board members<\/li>\n
  • Supplying critical information to banks without hassle<\/li>\n
  • Work directly with a specialist from Prendiville Insurance Agency, not a corporate 800 number<\/li>\n
  • Unrivaled advocacy in times of a claim<\/strong><\/span>. 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.<\/li>\n<\/ul>\n

     <\/p>\n

    [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.11.3″ _module_preset=”default” custom_padding=”3px||1px|||” border_width_top=”1px” border_color_top=”#e2e2e2″ border_width_bottom=”1px” border_color_bottom=”#e2e2e2″ collapsed=”off” global_colors_info=”{}”][et_pb_row column_structure=”1_3,1_3,1_3″ _builder_version=”4.6.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.6.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.10.1″ _module_preset=”default” text_font=”|700|||||||” text_text_color=”#c1282a” text_font_size=”60px” text_orientation=”center” custom_margin=”||||false|false” custom_margin_tablet=”||||false|false” custom_margin_phone=”||25px||false|false” custom_margin_last_edited=”on|phone” custom_padding=”35px||||false|false” custom_padding_tablet=”” custom_padding_phone=”” custom_padding_last_edited=”on|desktop” text_font_size_tablet=”48px” text_font_size_phone=”40px” text_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

    30+<\/p>\n

    [\/et_pb_text][et_pb_text _builder_version=”4.10.1″ _module_preset=”default” text_font=”|600|||||||” text_text_color=”#000000″ text_font_size=”26px” text_orientation=”center” custom_margin=”35px||12px||false|false” custom_margin_tablet=”0px||||false|false” custom_margin_phone=”15px||||false|false” custom_margin_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

    Years of Experience<\/p>\n

    [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.6.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.10.1″ _module_preset=”default” text_font=”|700|||||||” text_text_color=”#c1282a” text_font_size=”60px” text_orientation=”center” custom_margin_tablet=”||||false|false” custom_margin_phone=”||25px||false|false” custom_margin_last_edited=”on|phone” custom_padding=”35px||||false|false” text_font_size_tablet=”48px” text_font_size_phone=”40px” text_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

    5,000+<\/p>\n

    [\/et_pb_text][et_pb_text _builder_version=”4.10.1″ _module_preset=”default” text_font=”|600|||||||” text_text_color=”#000000″ text_font_size=”26px” text_orientation=”center” custom_margin=”35px||12px||false|false” custom_margin_tablet=”0px||||false|false” custom_margin_phone=”15px||||false|false” custom_margin_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

    Claims Processed<\/p>\n

    [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.6.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.11.2″ _module_preset=”default” text_font=”|700|||||||” text_text_color=”#c1282a” text_font_size=”60px” text_orientation=”center” custom_margin_tablet=”||||false|false” custom_margin_phone=”||25px||false|false” custom_margin_last_edited=”on|phone” custom_padding=”35px||||false|false” text_font_size_tablet=”48px” text_font_size_phone=”40px” text_font_size_last_edited=”on|phone” global_colors_info=”{}”]100,000+[\/et_pb_text][et_pb_text _builder_version=”4.11.2″ _module_preset=”default” text_font=”|600|||||||” text_text_color=”#000000″ text_font_size=”26px” text_orientation=”center” custom_margin=”35px||12px||false|false” custom_margin_tablet=”0px||||false|false” custom_margin_phone=”15px||||false|false” custom_margin_last_edited=”on|phone” global_colors_info=”{}”]HOA Units Insured[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.12.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_row column_structure=”1_3,1_3,1_3″ _builder_version=”4.6.1″ _module_preset=”default” background_size=”initial” locked=”off” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.6.1″ _module_preset=”default” background_color=”#ffffff” custom_padding=”35px|35px|35px|35px|true|true” border_radii=”on|7px|7px|7px|7px” box_shadow_style=”preset1″ box_shadow_blur=”24px” box_shadow_color=”rgba(0,0,0,0.15)” global_colors_info=”{}”][et_pb_blurb title=”Don Kolman” image=”https:\/\/www.prendivilleagency.com\/wp-content\/uploads\/2021\/11\/Woodridge-Round.png” icon_placement=”left” image_icon_width=”100px” admin_label=”Don Kolman” _builder_version=”4.13.0″ _module_preset=”default” header_font=”|700|||||||” header_text_color=”#000000″ header_font_size=”26px” body_font=”|300|||||||” body_font_size=”20px” custom_margin=”||||false|false” animation=”off” custom_css_blurb_title=”padding-top:20px;||” image_max_width=”100px” global_colors_info=”{}”]<\/p>\n

    Woodridge Townhomes Assoc.<\/p>\n

    [\/et_pb_blurb][et_pb_text _builder_version=”4.12.1″ _module_preset=”default” text_line_height=”1.6em” custom_margin=”||20px||false|false” global_colors_info=”{}”]<\/p>\n

    \u201cPatrick takes the time to come to our location and educate the members on what is insurable and what isn\u2019t. Prendiville Agency is professional and expeditious in the handling of claims. I would never go anywhere else for my insurance.\u201d<\/p>\n

    [\/et_pb_text][et_pb_text _builder_version=”4.6.1″ _module_preset=”default” text_text_color=”#f77c11″ text_font_size=”20px” text_line_height=”1.6em” global_colors_info=”{}”]<\/i><\/i><\/i><\/i><\/i>[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.6.1″ _module_preset=”default” background_color=”#ffffff” custom_padding=”35px|35px|35px|35px|true|true” border_radii=”on|7px|7px|7px|7px” box_shadow_style=”preset1″ box_shadow_blur=”24px” box_shadow_color=”rgba(0,0,0,0.15)” global_colors_info=”{}”][et_pb_blurb title=”Tom Kasterko” image=”https:\/\/www.prendivilleagency.com\/wp-content\/uploads\/2021\/11\/New-Horizons-Round.png” icon_placement=”left” image_icon_width=”100px” admin_label=”Tom Kasterko” _builder_version=”4.13.0″ _module_preset=”default” header_font=”|700|||||||” header_text_color=”#000000″ header_font_size=”26px” body_font=”|300|||||||” body_font_size=”20px” custom_margin=”||||false|false” animation=”off” custom_css_blurb_title=”padding-top:20px;||” image_max_width=”100px” global_colors_info=”{}”]<\/p>\n

    New Horizons South Bay Assoc. Board Member<\/div>\n

    [\/et_pb_blurb][et_pb_text _builder_version=”4.12.1″ _module_preset=”default” text_line_height=”1.6em” custom_margin=”||20px||false|false” global_colors_info=”{}”]<\/p>\n

    \u201cBeen 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!\u201d<\/p>\n

    [\/et_pb_text][et_pb_text _builder_version=”4.6.1″ _module_preset=”default” text_text_color=”#f77c11″ text_font_size=”20px” text_line_height=”1.6em” global_colors_info=”{}”]<\/i><\/i><\/i><\/i><\/i>[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.6.1″ _module_preset=”default” background_color=”#ffffff” custom_padding=”35px|35px|35px|35px|true|true” border_radii=”on|7px|7px|7px|7px” box_shadow_style=”preset1″ box_shadow_blur=”24px” box_shadow_color=”rgba(0,0,0,0.15)” global_colors_info=”{}”][et_pb_blurb title=”Ralph Wilson” image=”https:\/\/www.prendivilleagency.com\/wp-content\/uploads\/2021\/11\/Fountains-at-Sea-Bluffs-Round.png” icon_placement=”left” image_icon_width=”100px” admin_label=”Ralph Wilson” _builder_version=”4.13.0″ _module_preset=”default” header_font=”|700|||||||” header_text_color=”#000000″ header_font_size=”26px” body_font=”|300|||||||” body_font_size=”20px” custom_margin=”||||false|false” animation=”off” custom_css_blurb_title=”padding-top:20px;||” image_max_width=”100px” global_colors_info=”{}”]<\/p>\n

    Fountains at Sea Bluffs
    CAI-OC Board Member of the Year, 2016<\/p>\n

    [\/et_pb_blurb][et_pb_text _builder_version=”4.12.1″ _module_preset=”default” text_line_height=”1.6em” custom_margin=”||20px||false|false” global_colors_info=”{}”]\u201cWe 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.\u201d[\/et_pb_text][et_pb_text _builder_version=”4.6.1″ _module_preset=”default” text_text_color=”#f77c11″ text_font_size=”20px” text_line_height=”1.6em” global_colors_info=”{}”]<\/i><\/i><\/i><\/i><\/i>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ disabled_on=”on|on|off” admin_label=”Industry Section- desktop” _builder_version=”4.11.3″ background_color=”rgba(235,235,235,0.23)” module_alignment=”center” custom_padding=”30px||30px||false|false” locked=”off” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ use_custom_gutter=”on” gutter_width=”0″ make_equal=”on” _builder_version=”4.11.3″ width=”95%” max_width=”1920px” module_alignment=”right” custom_margin=”||||false|false” custom_padding=”|||200px|false|false” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.11.2″ background_image=”https:\/\/www.prendivilleagency.com\/wp-content\/uploads\/2021\/10\/HOA-Expertise.jpg” custom_padding=”60px|60px|60px|60px|false|false” custom_css_main_element=” display: block !important;” global_colors_info=”{}” custom_padding__hover=”|||”][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.11.3″ text_font=”||||||||” header_font=”||||||||” header_2_font=”Source Serif Pro|700|||||||” background_color=”#ffffff” max_width=”600px” custom_margin=”50px||50px|-50px” custom_margin_tablet=”10px||0px|0px” custom_margin_phone=”10px||10px|” custom_margin_last_edited=”on|tablet” custom_padding=”50px|30px|50px|30px” animation_style=”fold” animation_direction=”left” animation_delay=”100ms” animation_intensity_fold=”24%” animation_starting_opacity=”100%” custom_css_main_element=”border-radius:10px;” box_shadow_style=”preset1″ box_shadow_vertical=”6px” box_shadow_blur=”30px” box_shadow_color=”rgba(0,0,0,0.06)” global_colors_info=”{}”]<\/p>\n

    Unrivaled <\/strong>Experience<\/h2>\n

    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 \u201cfirst to market\u201d and in some cases, we are the only ones in the market offering these key coverage options.<\/p>\n

    [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.6.1″ _module_preset=”default” collapsed=”off” global_colors_info=”{}”][et_pb_row column_structure=”1_3,1_3,1_3″ _builder_version=”4.11.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.11.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/www.prendivilleagency.com\/wp-content\/uploads\/2021\/10\/Accurate-Building-Coverage-Square.jpg” title_text=”Accurate Building Coverage Square” align=”center” _builder_version=”4.11.2″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_image][et_pb_text admin_label=”Accurate Building Coverage” _builder_version=”4.11.3″ _module_preset=”default” header_2_font=”|700|||||||” header_2_font_size=”46px” header_3_font=”|700|||||||” header_3_text_color=”#253845″ header_3_font_size=”28px” custom_margin=”||0px||false|false” header_2_font_size_tablet=”” header_2_font_size_phone=”34px” header_2_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

    Accurate Building Coverage<\/h3>\n

    [\/et_pb_text][et_pb_text _builder_version=”4.11.3″ _module_preset=”default” text_text_color=”#000000″ text_line_height=”1.8em” text_font_size_tablet=”” text_font_size_phone=”16px” text_font_size_last_edited=”on|phone” global_colors_info=”{}”]When a catastrophe hits, knowing that your HOA\u2019s Master Insurance Policy includes extended and guaranteed property limits will be a great comfort.<\/p>\n

    Insuring your Association properly serves many benefits. Two often overlooked benefits are:<\/p>\n

     
    \n1. Helps the Board comply with their mandated fiduciary duty of insuring to 100% of the true replacement cost of the Association.  
     
    \n2. Helps to eliminate the possibility that your insurance company will penalize your claim payout as a result of underinsuring.[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.11.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/www.prendivilleagency.com\/wp-content\/uploads\/2021\/10\/Guaranteed-Replacement-Cost-Square.jpg” title_text=”Guaranteed Replacement Cost Square” align=”center” _builder_version=”4.11.2″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_image][et_pb_text admin_label=”Guaranteed Replacement Cost” _builder_version=”4.11.3″ _module_preset=”default” header_2_font=”|700|||||||” header_2_font_size=”46px” header_3_font=”|700|||||||” header_3_text_color=”#253845″ header_3_font_size=”28px” custom_margin=”||0px||false|false” header_2_font_size_tablet=”” header_2_font_size_phone=”34px” header_2_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

    Guaranteed Replacement Cost<\/h3>\n

    [\/et_pb_text][et_pb_text _builder_version=”4.11.4″ _module_preset=”default” text_text_color=”#000000″ text_line_height=”1.8em” text_font_size_tablet=”” text_font_size_phone=”16px” text_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

    Some Associations want the added comfort that \u2014 no matter what \u2014 there will be enough property coverage available. With our Guaranteed Replacement Cost<\/strong> endorsement, we can deliver this added comfort, guaranteed!<\/p>\n

    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.<\/p>\n

    [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.11.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/www.prendivilleagency.com\/wp-content\/uploads\/2021\/10\/Workers-Compensation-Coverage-Square.jpg” title_text=”Workers Compensation Coverage Square” align=”center” _builder_version=”4.11.2″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_image][et_pb_text admin_label=”Workers Compensation Coverage” _builder_version=”4.11.3″ _module_preset=”default” header_2_font=”|700|||||||” header_2_font_size=”46px” header_3_font=”|700|||||||” header_3_text_color=”#253845″ header_3_font_size=”28px” custom_margin=”||0px||false|false” header_2_font_size_tablet=”” header_2_font_size_phone=”34px” header_2_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

    Workers Compensation Coverage<\/h3>\n

    [\/et_pb_text][et_pb_text _builder_version=”4.10.1″ _module_preset=”default” text_text_color=”#000000″ text_line_height=”1.8em” text_font_size_tablet=”” text_font_size_phone=”16px” text_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

    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.<\/p>\n

    Due to California law, it is imperative that Homeowners Associations carry Workers Compensation Coverage<\/strong> 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.<\/p>\n

    [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ _builder_version=”4.11.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.11.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/www.prendivilleagency.com\/wp-content\/uploads\/2021\/10\/Wildfire-Brush-Areas-Square.jpg” title_text=”Wildfire Brush Areas Square” align=”center” _builder_version=”4.11.2″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_image][et_pb_text admin_label=”Wildfire & Brush Area Coverage” _builder_version=”4.11.3″ _module_preset=”default” header_2_font=”|700|||||||” header_2_font_size=”46px” header_3_font=”|700|||||||” header_3_text_color=”#253845″ header_3_font_size=”28px” custom_margin=”||0px||false|false” header_2_font_size_tablet=”” header_2_font_size_phone=”34px” header_2_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

    Wildfire & Brush Area Coverage<\/h3>\n

    [\/et_pb_text][et_pb_text _builder_version=”4.10.1″ _module_preset=”default” text_text_color=”#000000″ text_line_height=”1.8em” text_font_size_tablet=”” text_font_size_phone=”16px” text_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

    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.<\/p>\n

    Prendiville Insurance Agency can help you navigate these difficult renewals with the following:<\/p>\n

      \n
    • Access to multiple \u2018A\u2019 rated insurance companies that will consider high fire zones.<\/li>\n
    • WIldfire deductibles to keep premiums down and insurance options open.<\/li>\n
    • Educate unit owners on the proper individual insurance needed to complement the Association policy.\u00a0<\/li>\n<\/ul>\n

      [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.11.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/www.prendivilleagency.com\/wp-content\/uploads\/2021\/10\/Wind-Damage-Trees-Square.jpg” title_text=”Wind Damage Trees Square” align=”center” _builder_version=”4.11.2″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_image][et_pb_text admin_label=”Wind Damage to Trees” _builder_version=”4.11.3″ _module_preset=”default” header_2_font=”|700|||||||” header_2_font_size=”46px” header_3_font=”|700|||||||” header_3_text_color=”#253845″ header_3_font_size=”28px” custom_margin=”||0px||false|false” header_2_font_size_tablet=”” header_2_font_size_phone=”34px” header_2_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

      Wind Damage to Trees<\/h3>\n

      [\/et_pb_text][et_pb_text _builder_version=”4.10.1″ _module_preset=”default” text_text_color=”#000000″ text_line_height=”1.8em” text_font_size_tablet=”” text_font_size_phone=”16px” text_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

      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\u2019s 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.<\/p>\n

      [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.11.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/www.prendivilleagency.com\/wp-content\/uploads\/2021\/10\/Water-Damage-Deductable-Square-2.jpg” title_text=”Water Damage Deductable Square 2″ align=”center” _builder_version=”4.11.2″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_image][et_pb_text admin_label=”Water Damage Deductibles” _builder_version=”4.11.3″ _module_preset=”default” header_2_font=”|700|||||||” header_2_font_size=”46px” header_3_font=”|700|||||||” header_3_text_color=”#253845″ header_3_font_size=”28px” custom_margin=”||0px||false|false” header_2_font_size_tablet=”” header_2_font_size_phone=”34px” header_2_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

      Water Damage Deductibles<\/h3>\n

      [\/et_pb_text][et_pb_text _builder_version=”4.10.1″ _module_preset=”default” text_text_color=”#000000″ text_line_height=”1.8em” text_font_size_tablet=”” text_font_size_phone=”16px” text_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

      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\u2019s 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\u2019s insurance would cover the higher water deductible (and possibly all of the water damage).<\/p>\n

      [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.11.3″ _module_preset=”default” background_color=”#f7f7f7″ global_colors_info=”{}”][et_pb_row column_structure=”1_4,1_4,1_4,1_4″ _builder_version=”4.11.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”1_4″ _builder_version=”4.11.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/www.prendivilleagency.com\/wp-content\/uploads\/2021\/10\/Cyber-Liability-Icon.png” title_text=”Cyber Liability Icon” align=”center” _builder_version=”4.11.2″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_image][et_pb_text admin_label=”Cyber Liability Protection” _builder_version=”4.11.2″ _module_preset=”default” header_2_font=”|700|||||||” header_2_font_size=”24px” custom_margin=”||0px||false|false” header_2_font_size_tablet=”” header_2_font_size_phone=”34px” header_2_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

      Cyber Liability Protection<\/h2>\n

      [\/et_pb_text][et_pb_text _builder_version=”4.10.1″ _module_preset=”default” text_text_color=”#000000″ text_line_height=”1.8em” text_font_size_tablet=”” text_font_size_phone=”16px” text_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

      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<\/strong>. This provides coverage for expenses incurred to notify homeowners, reimbursement for credit monitoring costs, as well as fees and costs related to cyber breach.<\/p>\n

      [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.11.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/www.prendivilleagency.com\/wp-content\/uploads\/2021\/10\/Earthquake-Flood-Coverage-Icon.png” title_text=”Earthquake Flood Coverage Icon” align=”center” _builder_version=”4.11.2″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_image][et_pb_text admin_label=”Earthquake and Flood Insurance” _builder_version=”4.10.1″ _module_preset=”default” header_2_font=”|700|||||||” header_2_font_size=”24px” custom_margin=”||0px||false|false” header_2_font_size_tablet=”” header_2_font_size_phone=”34px” header_2_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

      Earthquake and Flood Insurance<\/h2>\n

      [\/et_pb_text][et_pb_text _builder_version=”4.10.1″ _module_preset=”default” text_text_color=”#000000″ text_line_height=”1.8em” text_font_size_tablet=”” text_font_size_phone=”16px” text_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

      Prendiville Insurance Agency<\/b> also provides Earthquake Insurance (via the California Earthquake Authority) and Flood Insurance.<\/p>\n

      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.<\/p>\n

      [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.11.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/www.prendivilleagency.com\/wp-content\/uploads\/2021\/10\/Directors-Liability-Icon.png” title_text=”Directors Liability Icon” align=”center” _builder_version=”4.11.2″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_image][et_pb_text admin_label=”Directors and Officers Liability” _builder_version=”4.10.1″ _module_preset=”default” header_2_font=”|700|||||||” header_2_font_size=”24px” custom_margin=”||0px||false|false” header_2_font_size_tablet=”” header_2_font_size_phone=”34px” header_2_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

      Directors and Officers Liability<\/h2>\n

      [\/et_pb_text][et_pb_text _builder_version=”4.10.1″ _module_preset=”default” text_text_color=”#000000″ text_line_height=”1.8em” text_font_size_tablet=”” text_font_size_phone=”16px” text_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

      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<\/b> as an insured, often difficult to get.<\/p>\n

      [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.11.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/www.prendivilleagency.com\/wp-content\/uploads\/2021\/10\/Umbrella-Policy-2-Icon.png” title_text=”Umbrella Policy 2 Icon” align=”center” _builder_version=”4.11.4″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_image][et_pb_text admin_label=”Umbrella Liability Coverage” _builder_version=”4.10.1″ _module_preset=”default” header_2_font=”|700|||||||” header_2_font_size=”24px” custom_margin=”||0px||false|false” header_2_font_size_tablet=”” header_2_font_size_phone=”34px” header_2_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

      Umbrella Liability Coverage<\/h2>\n

      [\/et_pb_text][et_pb_text _builder_version=”4.11.4″ _module_preset=”default” text_text_color=”#000000″ text_line_height=”1.8em” text_font_size_tablet=”” text_font_size_phone=”16px” text_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

      We offer a variety of high limit Umbrella Options at very reasonable premiums.<\/p>\n

      An umbrella policy extends over the General Liability, Directors and Officers, Auto and Employers\u2019 Liability limits. Whether the association is trying to comply with the Davis-Stirling requirement, cover the association\u2019s assets or address a certain worrisome exposure, selecting the proper liability limits is important. We can assist the Board in making this critical determination.<\/p>\n

      We offer Umbrella Limits from $1M to $50M from a variety of \u2018A\u2019 rated Insurance Companies.<\/p>\n

      [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.10.8″ _module_preset=”default” background_image=”https:\/\/www.prendivilleagency.com\/wp-content\/uploads\/2021\/09\/Blue-CTA-Background.jpg” background_size=”initial” custom_padding=”46px||18px|||” locked=”off” global_colors_info=”{}”][et_pb_row _builder_version=”4.10.7″ _module_preset=”default” custom_padding=”||42px|||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.6.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.11.3″ _module_preset=”default” text_text_color=”#FFFFFF” text_line_height=”1.8em” header_4_font=”Source Serif Pro|600|||||||” header_4_text_align=”center” header_4_text_color=”#FFFFFF” header_4_font_size=”24px” text_orientation=”center” min_height=”100px” custom_margin=”-11px||7px|||” custom_padding=”||0px|||” text_font_size_tablet=”” text_font_size_phone=”16px” text_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

      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.
      <\/strong><\/h4>\n

      [\/et_pb_text][et_pb_button button_url=”\/contact\/” button_text=”Contact Us For A Quote” button_alignment=”center” _builder_version=”4.11.3″ _module_preset=”default” custom_button=”on” button_text_color=”#FFFFFF” button_bg_color=”gcid-084db80d-d2ab-4284-8808-fd8cdcc6f798″ button_border_radius=”10px” button_font=”|600|||||||” custom_padding=”0px|||||” global_colors_info=”{%22gcid-084db80d-d2ab-4284-8808-fd8cdcc6f798%22:%91%22button_bg_color%22%93,%22gcid-fba1ed6e-aca3-4b34-9367-ba49dc11488b%22:%91%22button_bg_color__hover%22%93}” button_text_color__hover_enabled=”off|desktop” button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”#056cf2″ button_bg_enable_color__hover=”on”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"

      Prendiville Insurance Agency Specializes in Homeowners Association (HOA) Insurance CoverageWe 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\u2019s largest HOA Specialized Agents. Besides offering […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"_links":{"self":[{"href":"https:\/\/www.prendivilleagency.com\/wp-json\/wp\/v2\/pages\/566"}],"collection":[{"href":"https:\/\/www.prendivilleagency.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.prendivilleagency.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.prendivilleagency.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.prendivilleagency.com\/wp-json\/wp\/v2\/comments?post=566"}],"version-history":[{"count":5,"href":"https:\/\/www.prendivilleagency.com\/wp-json\/wp\/v2\/pages\/566\/revisions"}],"predecessor-version":[{"id":3205,"href":"https:\/\/www.prendivilleagency.com\/wp-json\/wp\/v2\/pages\/566\/revisions\/3205"}],"wp:attachment":[{"href":"https:\/\/www.prendivilleagency.com\/wp-json\/wp\/v2\/media?parent=566"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}