Residential Property Insurance

Reliable protection for the buildings and communities you manage

Introducing a Venbrook-designed product created to help California condominium and townhome communities thrive. With local expertise and a deep understanding of shared residential living, we know firsthand the challenges your communities face every day. Whether you're an HOA, property manager, or community board, our coverage supports the ongoing needs of your properties. Connect with a Venbrook advisor to apply for our specialty residential coverage.

Contact an Advisor

A closer look at our California specialty coverage

We're here to help you serve the properties and communities you manage. Our specialty residential property insurance is built specifically for California condos and HOAs to remove the guesswork and simplify complex decisions.

Policy highlights:

Admitted carrier
Liability $1M/$2M
Business Income - ALS
Med Pay $5,000 per person
Extended replacement coverage up to 125%

"Condominium and townhome associations are facing pressure of rising insurance costs, fewer market options, and stricter underwriting. That’s why we formed a strategic partnership with DB Insurance, an AM Best A+ XV-rated carrier, to offer protection against property and liability exposures, along with the evolving risks that come with managing shared residential communities. Together, we are helping California properties get the coverage they need, with access to expert advice from a team that understands the industry."

Cindy Shin

Senior Director, Venbrook Specialty Products

Cindy Shin of Venbrook Specialty Products receives an award at
Target Markets Annual Summit

Our association involvement fuels innovation and helps enhance our specialty solutions

We are proud members of Target Markets and WSIA, two leading associations that connect experts in the specialty insurance and program business. Through our association involvement, we stay ahead of industry trends, strengthen our expertise, and build lasting relationships that help us better serve our insureds.

Frequently Asked Questions

What does residential property insurance cover for condo and townhome communities?

Most residential property insurance policies for condos and townhomes cover physical damage to buildings, common areas, and shared structures caused by incidents like fires, storms, vandalism, or water damage. They also protect against liability claims if someone gets injured on the property. This coverage helps keep your community’s buildings and shared spaces safe, so residents can feel safe in their homes.

Why is specialized insurance important for condominiums and townhomes?

How can I get residential property insurance?