HOA Insurance

Tennessee, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, North Carolina, Ohio, Wisconsin

Your homeowners association faces many challenges securing the proper liability and property insurance for your neighborhood association.

neighborhood hoa insuranceYou need to have protection in place for the common property when the unexpected occurs. You also have to be prepared for accidents, injuries, vandalism, or crime.

Our specialty insurance program for neighborhood associations provides the solution you need. Coverage includes damages to fences, light poles, signage, and property in the open.

Our general liability coverage can include medians, parks, playgrounds, swimming pools, fitness clubs, tennis courts, lakes and more.

Directors and Officers Liability is available for not-for-profit associations. This protects the board members against claims made against them while serving on a board of directors or as an officer.

It’s easy to get started on your quote.

Our online questionnaire works great on smart phones, tablets, desktops and laptops. Just click to get started…

To receive your quote…

  • Complete the questions
  • Preview your answers
  • Click “Submit” when you’re done.
  • You’ll get a “Thank you” screen to tell you we received the form.

Phone or email Kevin Morency or Rebecca Morency if you have any questions. By taking the time to discuss your needs, we can tailor an affordable business insurance solution that offers peace of mind, yet still deliver a quote quickly.

morency and associates


Morency & Associates, Inc

1194 Long Hollow Pike
Gallatin, TN 37066
615-451-4887         (Phone)
877-244-9090         (Toll-Free)
630-240-4299         (Mobile)
615-452-6580         (Fax)
Kevin Morency       (Email)
Rebecca Morency  (Email)

Specialty Insurance for Homeowners Association, Neighborhood Association, Residential Community Association

Protect your business with these Property / Casualty insurance coverages:

  • General Liability
  • Damage to the property of others
  • Employment Practices Liability
  • Directors and Officers Liability – Not for Profit
  • Property
  • Crime
  • Inland Marine
  • Auto
  • Umbrella

Liability Coverage may include:

  • Limits up to $1 million per occurrence/$3 million aggregate
  • Directors and Officers Liability – Not for Profit
  • Employees as Additional Insureds
  • Employment Practices Liability (claims-made coverage)
  • Employee Benefits (claims-made coverage)
  • Fire Legal Liability – $100,000 (higher limits available)
  • Medical Expenses – $5,000 per person
  • Building Owner as Additional Insured
  • Voluntary Property Damage
  • Members as Additional Insureds
  • Volunteers as Additional Insureds

Property Coverage may include:

  • Building Coverage
  • Contents Coverage
  • Equipment breakdown on building and contents
  • Electronic Media and Records Business Interruption
  • Blanket insurance
  • Business income (with extra expense and 0 hour waiting)
  • Utility service – direct damage
  • Utility service – time element
  • Outdoor Fences
  • Replacement Cost
  • Agreed Value on Buildings
  • Signs
  • Property in the Open

Other Insurance Options and Coverage may include:

  • Umbrella – limits up to $10,000,000
  • Crime – Employee Dishonesty to $25,000
  • Mobile Equipment
  • Personal Computers, EDP Equipment, Data, Media and Phones
  • Valuable Papers and Records
  • Accounts Receivable
  • Fine Arts

Affordable Insurance Coverage

We’ve found highly rated insurance carriers who offer reasonable pricing in today’s tough economic climate. That means you can increase the value of your insurance dollar. Plus many of our specialty business insurance coverages offer convenient, no interest payment options with flexible payment terms. So it’s easier to manage your bottom line.

Flexible Payment Terms—Pay as little as monthly

Choose the payment option that fits your budget. Because sometimes a smaller monthly payment is easier on you.

  • Annual
  • Semi-annual
  • Quarterly
  • Down payment plus 9 equal payments (10 payments)
  • Monthly (12 payments)

Convenient, No Interest Payment Options

Pick the method that works best for you…

  • Electronic funds transfer—$1 fee per installment
  • Online or by phone—$7 fee per installment
  • Charge to credit card—$7 fee per installment

Prefer to Manage Only One Bill?

Complete coverage may be available for your business insurance needs in one comprehensive insurance package. Call or email Kevin Morency today and receive a quick turnaround on your quote. Note: Some payment options may not be available in all states.

We offer this specialty association insurance program in the following states:
areas served

  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Michigan
  • Minnesota
  • Missouri
  • North Carolina – New Market July 2019
  • Ohio
  • Tennessee
  • Wisconsin