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Roy Palacios Insurance Agency logo
Roy Palacios Insurance Agency logo

Providing Excellence and Professionalism in Community Association Insurance Services since 1991

Request a Certificate of Insurance

Master and Custom-Tailored Certificates of Insurance are available for homeowners and lending institutions within our insured community associations.

REQUEST A CERTIFICATE

Request an Insurance Proposal

Get a side-by-side comparison of your current insurance coverage with recommendations to optimize your coverage at the lowest cost possible.

REQUEST A PROPOSAL

Welcome to the Roy Palacios Insurance Agency

Specializing in Common Interest Development Insurance Services

Welcome to the Roy Palacios Insurance Agency, a Farmers Insurance Agency focused on habitational insurance products for Homeowners Associations and Developments.


Our family run business has a 20-year reputation of providing specialized and personalized insurances services throughout the Southern & Northern California regions, as well as Oregon, Nevada and Arizona. 


Our business model is simple. We approach each client interaction with integrity, a sincere desire to deliver results, and a dedication to providing an unparalleled customer service experience rarely found with other insurance agencies. We are supported by a team of competent professionals who, collectively, bring over 100 years of practical experience in all facets of the insurance industry. 


 With over 500 common interest development clients, our success is attributed to the strong relationships we cultivate and maintain with our property management clients.  Because of our high standards and performance excellence, we have been recognized as a Farmers Insurance Elite Commercial Agency for the past 15 years. In the end it is not about us - but about our clients and their insurance needs, our goal is to always strive and surpass our clients’ expectations.

Welcome to the Roy Palacios Insurance Agency. We specialize in habitational insurance products for Common Interest Developments. Our family-owned business has built a strong reputation over the past 30+ years, providing personalized insurance services to clients in California, as well as Oregon, Nevada, and Arizona.



At our agency, we believe in conducting every client interaction with integrity, a commitment to delivering results, and a focus on providing exceptional customer service. Our team of experienced professionals collectively boasts 100+ years of practical experience in all areas of the insurance industry.

 

Thanks to our excellent relationships with property management professionals and Board members, we proudly insure over 500 Homeowner Associations, and our performance excellence has earned us the distinction of being recognized as a Farmers Insurance Elite Commercial Agency for the past several decades. Our ultimate goal is to always prioritize our clients and their insurance needs, striving to provide them with the best service possible and exceed their expectations.

What Our Clients Say...

“I have had the pleasure of working with Roy Palacios Insurance Agency for over a decade. The property management industry can be one with quick deadlines and demanding needs and Roy Palacios and his team have never let me down. Their entire team is professional, kind, educated, and always eager to serve their clients and communities in any way that they can."


Kendrah Kay

VP of Management Services

Powerstone Property Management 

“The team at Roy Palacios Insurance Agency have always been so kind and helpful. I’ve worked with Roy and his staff for over 10 years and I’ve always had a positive experience. They are conscientious of my time and my clients, always providing excellent service in communication, and explanation of benefits, and are available whenever I need them. They have been a great partner!”


Tracie Manriquez 

Director of Community Management 

Property Management Professionals 

“Roy Palacios Insurance has been great to work with over the course of many years for many of the HOAs we service. Available, friendly and able to think out of the box with unique situations, they have been a great resource to both our managers and boards of directors.”


 Corinne Crawford

VP of New Community Development

The Management Trust 

Our Core Values

Integrity

Honest and Trustworthy

Presenting complex out-of-the-box insurance solutions while maintaining ethical standards and practices.

Intent

Concern and Respect

Acting in others' best interests through the mutual benefits of Farmers Insurance and our agency. 

Competence

Experienced and Accomplished

Being viewed as an authority in our industry through product knowledge and research. 

Results

Responsive and Productive

Achieving the desired objectives by getting things done and exceeding expectations.

Property Coverage Types

RPI provides a broad range of Common Interest Development (CID) insurance products. We do a thorough analysis of your association's insurance requirements by reviewing your legal documents, doing a side-by-side comparison of your current insurance coverage, and making recommendations on the best coverage and lowest cost possible for our HOA Clients. We will attend Board of Directors meetings in person, virtually, or by conference call to present our offer of insurance and answer all insurance-related questions.

Street view of a large 12 story conidium complex

Condominiums (High-Rise, Mid-Rise, Mixed-Use)

Rendering of the ground floor of a multi-use building showing retail spaces
Building Forward Planning
Arial view of a cul-de-sac in a master planned tract home community
Master Planned Communities

Commercial Projects

RPI provides an extensive range of products to insure Business Parks and Apartments. We will work with your team to provide solutions that make sense for your property.

Corner unit of a retail store in a single level strip mall
Commercial Real Estate
Two floor commercial unit in an industrial complex
Block & Business Parks
Nighttime view of a large lighted pool surrounded by multi-level housing units in an apartment complex
Apartments

CID-Focused Coverage Types

Liability

Premises & Operations, Personal Injury, Parking, Recreation Facilities

Fidelity Bond Coverage

Including Management Company

Directors & Officer

Including Management Company

Past & Present Board Members

Including Discrimination

Earthquake Coverage

High-Rise Specialty Programs

Workers’ Compensation

Umbrella Liability

What To Expect

RPI understands the urgency of insurance requests.  We maintain a team of licensed professionals onsite to answer questions and solve problems to ensure same-day resolution of any issue. Our management team is available to attend association board meetings and to provide training and education to property managers so that they remain on the cutting edge of industry trends. 

Management Companies

Most proposals are provided in 24 hours

Coverage includes Management Company

Legal review of Association Documents to maintain compliance with CC&Rs and Civil Codes

Developers

Coverage for Developer-controlled Boards


Customized database to handle the most complicated communities


Seamless Annexation Phase integration

Budget Consultants

Ability to handle all CID product types


Complicated proposals are provided within a 24-hour turnaround at no cost.


Complicated Phasing Schedules prepared to your specifications

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