Protecting Your Community with Expert HOA Coverage
AIM has been helping homeowners associations and community organizations secure the right coverage for decades. As an independent agency, we work with multiple top-rated carriers to build insurance programs that reflect the unique structure, assets, and liability exposure of your association. AIM is currently accepting new clients. Call today to get started.
Founded in 1969, Associated Insurance Management is one of the most established independent commercial insurance agencies in the Mid-Atlantic region. As a trusted provider of condo association insurance and HOA coverage, AIM is ranked among the top 100 Property and Casualty agencies in the United States by Insurance Journal every year from 2017 through 2025, built on a foundation of relationships, expertise, and genuine commitment to its clients. Licensed in 48 states and maintaining strong partnerships with leading national carriers, AIM delivers the reach of a large agency with the personal attention of a local firm. Relationships, referrals, and trust have driven this business for over fifty years, and that will not change.
Discover what makes AIM the agency community associations across the Mid-Atlantic trust year after year.
AIM has been structuring HOA and community association insurance programs since 1969. That depth of experience means better coverage decisions, fewer gaps, and stronger protection when your community needs it most.
AIM works with financially strong carriers including Hartford and CNA, giving associations access to insurers with proven track records for competitive coverage terms and dependable claims handling nationwide.
No two associations share the same risk profile. AIM takes the time to understand your community's structure, assets, and exposure before building a program that fits your needs precisely.
Reach out to schedule your first conversation with our team. We take the time to understand your association's structure, your shared assets, and your coverage priorities before making any recommendations.
We conduct a thorough review of your current coverage and liability exposure. This process identifies gaps, removes redundancies, and uncovers opportunities to build a stronger program for your community.
Drawing on our carrier relationships and HOA market expertise, we structure an insurance program built precisely around your association's needs, assets, and long-term goals.
AIM remains engaged well beyond the initial binding. We support your board through renewals, coverage updates, and claims to ensure your program continues to serve your community as it grows.
Associations across the region rely on AIM for coverage that reflects the true complexity of managing shared property and community liability. Whether you are seeking homeowners’ association insurance for a small residential community or a large mixed-use development, AIM has the carrier access and expertise to build the right program for you.
Coverage often includes protection for common areas, shared structures, liability exposures, and other association-related risks. We evaluate your community’s needs carefully and recommend coverage designed around those specific responsibilities.
In many cases, we can provide quotes within hours after reviewing the necessary information. Our relationships with multiple carriers help streamline the process and provide access to competitive coverage options.
Coverage may extend to shared amenities depending on policy terms and community needs. We review your association’s assets carefully and help structure protection that reflects the property under your responsibility.
Board members make important decisions that can lead to disputes or legal claims. This protection helps address exposures related to actions taken while serving in an official leadership capacity.
Yes. We conduct comprehensive coverage reviews to identify potential gaps, overlapping protections, and opportunities for improvement, helping ensure your association’s insurance program continues supporting its evolving needs.
Details about community size, shared assets, governing structure, claims history, and existing coverage help us assess risk accurately and develop recommendations tailored to your association’s specific circumstances.
Association coverage generally focuses on shared property, common areas, and certain community liabilities. Individual owners typically maintain separate policies that address their personal property and unit-specific responsibilities.
Associations that store resident information or process payments electronically may face digital threats. We help evaluate these exposures and identify protection options that address risks beyond traditional property coverage.
Coverage adequacy depends on factors such as property values, amenities, liability exposure, and community operations. We assess these elements carefully and help determine appropriate protection levels for your association.
Yes. Property additions, amenity upgrades, operational changes, and population growth can affect risk exposure. We regularly review coverage and recommend adjustments to help keep protection aligned with current needs.
