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Condo Association Insurance in Meridian ID & Boise ID

Common Area and Liability Coverage for Jointly Owned Properties

People often choose condominium living for the convenience, community, and the ability to rely on a condo association to maintain everything outside of their home. While condo owners are responsible for insuring and securing their personal space and property, the association is responsible for all common areas. As such, it’s important for condo associations to have the right insurance policy to protect against exposures like structural damage or the increased liability faced by having a pool or fitness center.

Depending on your association’s bylaws and whether you’re overseeing a high-rise deep downtown or townhomes in the suburbs, your coverage demands may vary. Our agents at Mustard Seed Financial & Insurance carefully consider these factors, along with legal guidelines, to craft an insurance policy that meets the needs of your condo association in terms of products, limits, and deductibles.

Coverage Options for Condominium Association Insurance

Your association should have a master policy that covers all of your common structures and property including buildings, hallways, elevators, and sidewalks. But a truly complete insurance package will often also include options like these:

  • General Liability: A standard inclusion with many types of insurance, this protects you against all types of accidents and incidents that can occur on your property
  • Directors’ and Officers’ Liability: This keeps your board from being held personally responsible for decisions they make while serving the association
  • Sewer and Drain Backup Coverage: Although it’s often critical to have, protection against sewage backup is often excluded in a standard association plan

As mentioned, your insurance needs will be determined by your association’s operational practices, governing rules, and type of property. We can help you sort through the details to find the right plan.

Doing Our Best for You

At Mustard Seed Financial & Insurance, we not only understand how to build a secure condo association insurance policy, we shop a number of the nation’s top carriers to ensure you get the best rates available. Contact one of our agents today and let us go to work for you.

Our Locations

Headquarters

Headquarters

501 S Main Street
Meridian, ID 83642
Main office: 208-497-5651
Toll free: 855-558-0505
Fax: 208-939-1780

Office Hours:

Mon: 8:00 AM - 5:00 PM
Tues: 8:00 AM - 5:00 PM
Wed: 8:00 AM - 5:00 PM
Thurs: 8:00 AM - 5:00 PM
Fri: 8:00 AM - 5:00 PM
Sat: Closed
Sun: Closed
Twin Falls

Twin Falls

834 Falls Avenue, Suite 1250
Twin Falls, ID 83301
Main office: 208-629-1824
Fax: 208-629-5133

Office Hours:

Mon: 8:00 AM - 5:00 PM
Tues: 8:00 AM - 5:00 PM
Wed: 8:00 AM - 5:00 PM
Thurs: 8:00 AM - 5:00 PM
Fri: 8:00 AM - 5:00 PM
Sat: Closed
Sun: Closed

Our Providers

Testimonials

Mike at Mustard Seed does my insurance--I highly recommend him! I could not be more pleased with the customer service I've received from him, and the extra mile this company goes for its clients. Stop talking to some dude in India and call this company instead.
- Forrest W.
Omg Debbie is amazing. She is very quick and always polite. So helpful with what's probably silly questions but never judges me. Beat all the competitors quotes saved me over $100.
- Stacy S.
EXCELLENT agency, and they have some extremely experienced agents. I highly recommend them. We have done work for them through my company, and it has always been a positive experience for all involved, they treat people right! Thanks! Jess @ SERVPRO.
- Jess F.
Mike Williams reduced my rates for auto, home and umbrella insurance by 15% with significantly better coverage. I was very pleased with his services. I would recommend giving him a chance to quote you some insurance. Can't go wrong with better coverage at a reduced cost!
- James M.
I've used Mustard Seed Insurance for years for all my family's insurance as well as my business insurance and couldn't be happier.
- Douglas C.