Association insurance services built around how you actually work
Property managers don't have time to educate their broker. We focus 100% on condos, townhomes, and co-ops, and have done so for 20 years. This means fewer questions, faster quotes, and coverage that matches what your community actually needs.
Everything your association needs —
handled
Property managers already juggle vendors, boards, and residents. Insurance shouldn't add to the pile. We manage your coverage, comparisons, certificates, claims, and renewals.
Insurance policies your board will approve with confidence
Generalist brokers use templates that weren't designed for associations—we designed tools specifically for them.
Quote comparisons you understand immediately
Every quote we present is broken down into plain language and lined up against your current coverage so your board sees exactly what's changing and why.
A claims process where you're not on your own
We stay with you from first notice to final resolution—coordinating adjusters, tracking paperwork, and keeping you informed.
Renewals that don't sneak up on you
DCI automatically tracks every renewal timeline, so your board has time to review options rather than rushing to bind coverage at the last minute.
100% focused on community associations
Whether you manage a 3-unit condo building or a 1,000-unit association, we have the carrier relationships and expertise to find coverage that fits.
Coverage for shared structures, common areas, and unit-owner boundaries
Protection for HOA-managed communities with shared amenities and buildings
Policies built for cooperative ownership and board liability
Any size. Any structure. Same high level of service.
Frequently Asked Questions
A master policy covers the building structure, common areas, and shared amenities. Depending on your governing documents, it may be “bare walls” (structure only) or “all-in” (including original fixtures and installations). We review your CC&Rs to make sure your coverage matches what you’re actually obligated to protect.
Your master policy protects the building and shared spaces. Unit owners are responsible for insuring their personal belongings and interior improvements with their own HO-6 policy. We’ll clarify where the line is so you can communicate it clearly to residents.
Yes. Directors & Officers insurance protects board members from personal liability if they’re sued for decisions made in their role. Without it, volunteers could face personal financial exposure, which certainly makes recruiting board members difficult. We include D&O in our standard recommendations.
We stay with you from the first notice to the final resolution. That usually includes coordinating with adjusters, tracking paperwork, following up when things stall, and keeping you informed so you can update your board. And if you have any questions, you can call us directly.
Natural disasters are more frequent, construction costs are up, and carriers are adjusting their pricing accordingly. We can’t control the market, but we can shop it aggressively and find options that make sense for your budget.
We need basic property details (type, units, square footage), your current policy’s declaration page if you have it, and 3–5 years of loss runs. Don’t have loss runs? We can request them from your current carrier on your behalf.
We provide clear, side-by-side comparisons showing exactly what’s covered, what’s different, and what we recommend. No jargon, no buried exclusions. Your board sees the real trade-offs and can make an informed decision.
We recommend starting 90–120 days before expiration. That gives us time to shop the market, compare options, and present to your board without a last-minute scramble. Our platform tracks your timeline automatically, so nothing slips through.
Ready to work with a partner who gets it?
