Homeowners Association Insurance
Homeowners Associations (HOAs) represent a unique set of risks for insurance companies. Whether you’re managing a large-scale development or just a small neighborhood, there are numerous factors that need to be taken into consideration to ensure your community is properly protected.
Why Homeowners Association Insurance is Crucial
Homeowners Association Insurance is essential for HOAs because it provides financial protection against liabilities that are unique to HOA operations. This includes coverage for:
- Property damage
- Personal injuries sustained on association property
- Legal defense costs in the event of a lawsuit or claim related to bodily injury or property damage caused by an association’s negligence
- Fidelity bond coverage to protect the HOA from losses due to employee dishonesty
- Legal fees arising from HOA disputes
At its core, Homeowners Association Insurance serves as a safeguard for both the association and community members, protecting all parties in the event of an unforeseen incident or claim.
How to Get Homeowners Association Insurance
Finding the right insurance coverage for your association can be difficult. It’s important to work with an experienced provider who understands the unique risks associated with HOAs. Your provider should take into account factors such as the age, size, and location of the development, as well as any potential risks related to association activities.
When you’re ready to take the next step, your provider should be able to provide a customized coverage plan that meets your needs and fits within your budget. This will ensure that all members of the homeowners association are properly protected in case of an unforeseen incident or claim.
Assistance with your HOA Insurance Plan
Our team is ready and waiting to provide you with a free consultation regarding the insurance needs of your HOA. We can assist you in determining which policy options are most important, and then help you find a carrier that will provide a fair price for your coverage. To learn more, call us or tap the quote button.
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They reviewed us!
Very professional, responsive and competitive!
Alice Ferot
We’ve been with Toscano Insurance for over 5 years! They are professional, friendly and care about their customers. I highly recommend them.
Nattiel Chambers
Toscano is top notch. The customer service I receive is the best in the industry. I highly recommend them!
F L
Great service, the team goes out of their way to get the best price possible for their clients with good follow up..RAM
martha martinez
Julian and team were terrific to work with. They were fast to provide me with a new Home Insurance that I immediately needed. They provided me with great coverage at a reasonable rate, where other companies are no longer covering. HIGHLY recommend them to anyone. Thank You Julian and Team...appreciate the great support!
Gianni Ballarin
El mejor servicio al cliente, lo hicieron todo por mi y siempre poniendo mis intereses primero.Gracias por toda tu ayuda Julian!
Giancarlo
Hace mas de 4 anos que tenemos el seguro de Home and car con Julian en Toscano Insurance, siempre nos ha ayudado muchísimo, atento, amable y ha logrado bajar lo que pagábamos antesSuper recomendables.
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Les recomiendo esta compañía al 100% estoy con ellos desde hace 8 años hon tofus los beneficios que usted necesita, no lo piense y compre su seguro de carro aquí en toscano Insurrance
Violeta Santos
We needed home owners insurance for a condo in Miami beach. We found Julian's company through google search and after reading reviews, gave him a call - after 7 on a Friday evening. Julian and his team were great. Answered our call on the first ring and walked us through the process. The team collaborated well with our real estate buyer agent and the closing agents. They were responsive and helpful through the full process. If you're looking for home owners insurance in the Miami area, we highly recommend working with Julian and team.
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I been doing business with toscano insurance for 3 years already and I can't be more happy with them. The best rates available for car insurance and home owners insurance as well.I highly recommend toscano insurance. their dedication and priceless effort to get the best rate for us their costumers.Thank you.
three peas
Great service and customer care, helped me get the best price on my car insurance. Would highly recommend them to anyone looking for any type of insurance
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“I am a Small Business Owner of a Foster Care Company. Toscano Insurance greatly helped us to obtain the commercial insurance for General and Professional Liability Insurance required by the State of Florida Authorities. The agency’s business insurance expertise is of the best kind I have ever seen.” Jullian was very patient and understanding. The insurance premium very affordable and financing is available if needed. They expertise made a stressful process very easy. Thank you so much!!Woodlyne
Woodlyne Eleazard
Really friendly and efficient. Helped me find a competitive rate for non owners car insurance. Would recommend:).
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Julian was amazing at helping me setup urgent insurance. I definitely recommend them to anyone who is looking for help.
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Julian is was very nice and super professional with me and my family.Definitely I suggest Progressive, and ogpf course Julian
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I have Been a customer of Toscano Insurance Group for many years . They provided me with incredible service and have always helped me navigate the complex world of my insurance needs.The are simply the best
Carlos APARICIO
I have used Toscano insurance for my property insurance and have been Extremely satisfied with the great service. I have also refer individuals for both personal and commercial property insurance and have heard that they were completely satisfied with the service and pricing that they received.I highly recommend Toscano insurance for all your insurance needs.
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Maria and Julian are simply the best. Their service is outstanding, are responsive and very professional. They helped me out with my condos' insurance as well as with my auto insurance. They saved me money and I have better coverages now.
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Jared Rayman
Obtuve una excelente ayuda con las personas de Toscano Insurance, mi seguro me cancelo mi poliza y ellos me ayudaron amablemente a conseguir algo mucho mejor y de mejor calidad. Los recomiendo altamente.
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Julian helped me with an motorcycle insurance during Xmas- he is availeble 24/7 and knows what he is talking about. My best recommendations
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Julian, Maria and Estela take care our Restaurant, cars, motorcycle, jet ski and boat, with excellent prices and the best service...we highly recommend them.Gracias por la excelente atención que siempre recibimos de ustedes!!!!
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Julian and Maria were very helpful in setting up our renter's and auto insurance. They were familiar with the many discounts available and were able to provide the policy limits that met our family's needs. Highly recommend!
Julie Van Meter
Very happy to have Julian Toscano as our insurance agent, his profesional help and his advice is excellent limati painting is thankful to have his company taking care of our insurance businessThanks JulianLillo and Marlene
Limati Painting
This office is the BEST! I came in needing all kinds of help in bundling my policies and Maria was able to beat my previous coverage premiums AND upgrade my limits. That's the advantage of using a broker group, saving tons of time and seeing the resultant savings right away.
Steven Craig Ellixson
Thank you to the team at Toscano for helping me better understand the risk associated with my business. They were able to hwlp me see areas of opportunities that exposed my restaurant to potential lawsuits. I appreciate the time they took to make sure that I was correctly covered. Thanks again!!!!
Josue Henriquez
Needed help with my insurance and got exactly what I needed. Very professional, customer-oriented, helpful, and kind. Highly recommend to anyone needing insurance services. I will definitely be doing business them again.
Carlos Salazar Vélez
Their staff is kind and gives helpful advice. Excellent service and professional people. I highly recommend them.
Martin Salazar
Esta agencia me ayudo a reducir el costo del seguro del auto significativamente. Siemprw estan dispuestoa a ayudarme con cualquier problema o pregunta .
Rey Aguilera
I have had an on-off relationship with this agency for 5 years. When I first moved to the United States, IObtained car insurance thru them by Progressive. Blindly, I decided to leave them for the lizard folks (I got a good rate but I was never told that I didn’t have liability insurance coverage). The guys at this agency reached out to me and convinced me to do an analysis where I found out I had no liability insurance!!!!! I switched back immediately and for the same rate, I got 100/300 coverage. My policy is up for renewal soon and it will stay there. Thanks guys for helping me get good protection!!! Doing business with you guys has no surprises.
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Extremely professional, helpful, found the best option, best prices for what I needed. Will be coming back for all my insurance needs.
Vernon Bartholomew
Really excellent service and great expertise. Thank you!
Ivan Guzman
Thanks for all your help, just what I was looking for and with excellent service. Recommended for all people in search of Trustworthy Insurance.
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Excelent Service very Professionals and effective.
Ämer Mercado
Unlike other insurance office they make sure you get the help you need, my home and my auto are insured with them !!! Thanks just insurance
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Junissa Martinez
I am a business owner, I have a barbershop. I have known the agent for more than 3 years and they insure my business at a very affordable rate.
Kensys Barbershop
Thank you so much Just Insurance! For helping us over come our obstacles in finding a good policy! Highly recommend this place for any business starting up or looking for a better deal! Thank you for everything !!!
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First I switched my home insurance and then my car insurance to this company. Both times they have saved me money and delivered a better policy than my previous carriers. I found the staff to be knowledgeable and friendly and it’s great not to be dealing with an 800 call center agent. I have recommended this company to my friends and they have also been very satisfied.
Lloyd Hetherington
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Gabriel Widi
We are so glad we found them so close to home. This is our second year with them, they look after all insurances for the 2 buildings we manage.Well organized.
lospapos67
Excellent office to get all your insurance needs. It is very good to be advised by a professional insurance agent with an excellent experience. Thank you so much for your service.
Ana Ma. Arenas
The entire team at JIB Miami Beach are extremely friendly and knowledgeable. I am please to do business with a serious and experienced outfit.
Sandro Hadjez
Great service ! Julian is very attentive and professional!
Adisbel Hernandez
Great customer service, helped me with exactly what I needed.
Chris Salazar
Great service and professionalism. Thank you and will continue to do business with you.
Herbert De Lima
Got my car and house insurance with them and they are great to work with. Totally recommend them
Christopher Rivera
Great company. Gets you exactly what you need at affordable prices. My one stop shop for all my insurance needs. Very pleased with this company! Thank you!
Robert Lisboa
