What is a condo association master policy?

A condo association master policy covers the building structure, common areas, and shared amenities. It\'s the foundation of the community\'s insurance program and covers what individual unit owners\' policies don\'t.

What does a condo association master policy cover?

A master policy typically covers the building exterior, roof, common areas, shared amenities, and sometimes the unit interiors (bare walls or all-in coverage, depending on the policy type).

Do condo unit owners need their own insurance?

Yes. Unit owners need an HO-6 condo insurance policy to cover their personal property, unit improvements, and liability. The association\'s master policy does not cover these items.

What is a fidelity bond for a condo association?

A fidelity bond (also called crime coverage) protects the association from theft of funds by board members, employees, or property managers. Many lenders and state laws require it.

How much does condo association insurance cost in Oregon?

Premiums vary based on the number of units, building value, and coverage limits. Contact Gerald Ross Agency for a personalized quote.

Condo Association Insurance

Master Policy, D&O & Liability Coverage for Oregon Condominium Associations

Get A Quote (541) 469-3144 Or Get A Free Quote

Condo Association Insurance

Master Policy, D&O & Liability Coverage for Oregon Condominium Associations

Get A Quote (541) 469-3144

Or Get A Free Quote

About Condo Association Insurance

Condominium associations are responsible for insuring the common areas, building exteriors, and shared amenities of the community. A condo association master policy is the foundation of the community\'s insurance program, covering the structure and common areas that individual unit owners\' policies don\'t cover.

Gerald Ross Agency helps Oregon Coast condo associations find comprehensive master policies, directors & officers liability, and fidelity bond coverage to protect the association and its board members.

Get A Quote (541) 469-3144

Why Choose Gerald Ross Agency?

Independent agency — we work for you
50+ top-rated insurance carriers
Licensed Oregon agents
Serving Oregon Coast since 1937
Competitive rates through market comparison
Personalized service and claims advocacy

Related Commercial Coverage

HOA Insurance Directors & Officers General Liability Commercial Property

What's Covered

Master Property Policy

Covers the building structure, common areas, and shared amenities against fire, weather, and other covered perils.

General Liability

Covers third-party bodily injury and property damage claims in common areas.

Directors & Officers Liability

Protects board members from personal liability for decisions made on behalf of the association.

Fidelity Bond

Covers theft of association funds by board members or employees.

Umbrella Liability

Provides additional liability protection above the limits of your primary policies.

Equipment Breakdown

Covers shared mechanical systems like elevators, HVAC, and pool equipment.

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50+

Insurance Carriers

1937

Serving Oregon Since

Office Location

Licensed States

How to Get Coverage

Contact Us or Request a Quote

Call Gerald Ross Agency at (541) 469-3144 or submit an online quote request. Our agents will gather details about your business and coverage needs.

We Shop Multiple Carriers

As an independent agency, we compare rates from 50+ top-rated insurance carriers to find the best coverage at the most competitive price for your business.

Review Your Policy

We'll walk you through your coverage options, explain what's included, and help you choose the right policy limits and deductibles for your situation.