HOAs, Condominium Associations, Townhomes & Apartments Insurance
Helping Communities Stay Protected and Prepared
Mulling Insurance has proudly supported more than 500 associations across Florida over the past 55 years, including HOAs, condo associations, townhome communities, and apartment properties.
Every community is different, and coverage should reflect that. Our agents take the time to understand your association’s risks, goals, and budget—then help design a fitting solution.
Value-Added Services Only From Mulling Insurance
Whether you manage an HOA, condo association, townhome community, or apartment property, having the right insurance in place helps protect your property, residents, and long-term success.
Our association clients benefit from a variety of additional services, including risk management and loss prevention consulting and training for board members, property managers, and staff.
Services Include:
- Free Replacement Cost Appraisal
- Risk Management and Loss Prevention Consulting
- OSHA and ADA Compliance Consulting and Checklist
- Access to Safety Training Resources – pools, vehicles, landscape, volunteers
- Free Risk Management and Loss Prevention Training
What Makes HOA’s & Parks Unique?
HOA’s, Condominiums, Townhomes, and Apartments have exposures that differ from traditional commercial or homeowner policies. Your coverage needs may include:
- Property insurance for community assets such as clubhouse buildings, utility structures, fences, signage, and more.
- Liability protection for injuries or accidents in shared areas like walkways, pools, playgrounds, or common grounds.
- Business interruption or loss of income coverage if a covered event forces partial closures or rebuilding.
- Additional endorsements for equipment breakdowns, professional liability, or umbrella protection, depending on the size and scope of your community.
Mulling Insurance Products for HOA’s and Communities
Property
Community General Liability
Loss of Income Coverage
Directors and Officers Liability
Golf Course Tee to Green Coverage
Volunteer Accident Coverage
Crime Coverage
Flood
Meet Your HOA Insurance Specialist
Kent Longo
kent@mullinginsurance.com
863-651-6783
Our Communities and Associations specialist, Kent Longo, CIC, brings over two decades of experience working closely with housing communities and homeowners associations. Through that experience, he has developed specialized programs and risk management services designed to address the unique needs of these communities.
