Comprehensive Condo Association Insurance Solutions by Sargent Insurance Agency

Secure your business condo association in Arkansas with our tailored insurance plans

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Condo Association Insurance Provided By Our Agency

Depending on the specifics of your Arkansas condo association, you may need more than a standard policy offers. Condo association insurance typically addresses your building’s common areas—combining both property and liability protection to keep your community safe and compliant.

A condo association’s master policy generally covers the building shell and shared spaces, but often excludes the interior of your unit and your personal belongings. Coverage can vary by state regulation, so it’s crucial to understand the difference between your association’s policy and your individual master condo insurance needs.

Even with a robust association policy, gaps can leave your unit—and your finances—vulnerable. While the master policy protects the structure and common property, it won’t cover break-ins, interior water damage, or liability for incidents inside your home. Personal condo insurance fills those gaps, ensuring you’re never left at risk.

Condo insurance policies safeguard your personal property and interior finishes, while also providing liability coverage for bodily injury or property damage to others.

Here are the customizable features available in Sargent Insurance Agency’s condo association package for Arkansas communities:

  • Building Coverage: Protects the exterior shell, attached structures, and common facilities—including fixtures, flooring, and cabinets.
  • Backup of Sewer & Drain: Covers direct physical loss from a covered sewer or drain backup event.
  • Comprehensive General Liability: Provides legal protection against third-party claims for personal injury, property damage, advertising injury, and more.
  • Directors & Officers Liability: Safeguards board members against allegations of wrongful acts while performing their duties.
  • Ordinance & Law: Covers extra costs to repair or rebuild in compliance with updated local building codes and regulations.
  • Loss of Income & Extra Expense: Reimburses up to 12 months of lost assessments and necessary extra expenses if your operations are suspended by a covered loss.
  • Replacement Cost Settlement: Settles claims at replacement cost, ensuring you can rebuild or repair without depreciation deductions.

Ensure your Arkansas condo association enjoys comprehensive protection with a policy customized by your trusted, family-led agency. Contact us today to build coverage that fits your community’s needs.

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If your current insurer’s service or pricing falls short, you deserve better. Compare multiple Arkansas daycare insurance plans with us—and avoid coverage gaps by keeping your old policy active until your new one starts.

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