Insurance for Apartments, Condos, and HOAs

Protecting Lancaster's properties and the people who manage them.

As Lancaster County continues to attract new residents, the demand for apartments, condominiums, and managed communities is at an all-time high. For property managers, real estate investors, and Homeowners Association (HOA) boards, managing multi-family dwellings comes with complex liabilities. From property damage caused by extreme Pennsylvania weather to tenant injury claims, your assets need ironclad protection.

Homesale Insurance understands the nuances of real estate and property management in our area. We design policies that protect your investments and your board members.

Core Coverages for Multi-Family Properties:

Commercial Property Insurance: Covers the physical structures, including shared spaces, roofs, and building systems against fire, wind, and vandalism.
Landlord Liability: Protects you if a tenant or visitor is injured on your property and claims negligence.
Directors & Officers (D&O) Liability: Crucial for HOAs and condo boards, protecting individual board members from personal liability if they are sued for their management decisions.
Loss of Rents: Provides income replacement if a covered event makes your building uninhabitable.