Condo & HOA Insurance in Royal Palm Beach, FL – Evergreen Insurance Agency
Protect Your
Community
Florida condo associations and HOAs face unique insurance challenges — from hurricane season to loss assessments and board liability. We build policies that protect your community, your common areas, and the people who run them.
Comprehensive Protection for Your Association
Florida condo and HOA communities face risks that standard homeowners policies don't cover. We build master policies and supplemental coverage that protect the entire community.
Building Structure
Covers the physical structure of the condominium building — walls, roofs, hallways, elevators, and common-area infrastructure — against fire, wind, hurricane damage, and other covered perils. Essential for Florida's storm-prone environment.
Common Area Liability
Protects the association from bodily injury and property damage claims arising from accidents in shared spaces — pools, parking lots, clubhouses, walkways, and fitness centers. One slip-and-fall can result in a costly lawsuit.
Loss Assessment
Covers your share of a special assessment levied by the association when a loss exceeds the master policy limits. Without this coverage, individual unit owners can face unexpected out-of-pocket costs after a major claim.
Directors & Officers Liability
Shields HOA and condo board members from personal liability arising from decisions made in their official capacity — including disputes over rules, finances, or governance. Protects volunteers who serve their community.
Property Damage
Covers damage to association-owned personal property — furniture, equipment, maintenance tools, and fixtures in common areas — from theft, vandalism, fire, and other covered causes of loss.
Flood Insurance
Standard property policies exclude flood damage. Given Florida's low elevation and hurricane risk, flood insurance is critical for condo associations and HOAs — covering common areas, building foundations, and mechanical systems.
Independent Agency Advantage
We Shop Multiple Carriers to Protect Your Entire Community
Florida Communities Trust Us
Condo and HOA insurance is more complex than a standard property policy — master policy structures, loss assessment gaps, board liability, and Florida's hurricane exposure all require expert guidance. As an independent agency with deep local roots, we make sure your community is covered correctly from every angle.
- Florida condo and HOA specialists — we understand the unique statutory requirements and master policy obligations under Florida law
- Access to multiple top-rated carriers so your association gets the broadest coverage at the most competitive premium
- Loss assessment coverage guidance to ensure unit owners and the association are both properly protected after a major claim
- Directors & Officers liability expertise to protect board volunteers from personal exposure when making community decisions
- Hurricane and flood coverage consultation — critical for every Florida community regardless of elevation or location
- Responsive local service from a Royal Palm Beach agency that has helped South Florida communities for decades
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Reviews
"We've been with Evergreen for almost 10 years and I can honestly say they have been nothing but wonderful to work with. Highly recommend!"
"Cristina is a great person to work with. She handles all of our commercial and personal insurance needs. Very professional and responsive."
"This was my first time getting an Insurance Policy from this company and I must say the experience was amazing. Very knowledgeable and helpful staff."
Contact Us
Schedule a Free Assessment
Evergreen Insurance
- Address583 105th Avenue North, Suite 2
Royal Palm Beach, Florida 33411 - Phone(561) 966-8883
- Email[email protected]
- HoursMonday–Friday: 8am–5pmSaturday: ClosedSunday: Closed