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Roy Palacios Insurance Agency logo

Our Services

Property Coverage Types

Roy Palacios Insurance Agency (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 by 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)

Nighttime view of a large lighted pool surrounded by multi-level housing units in an apartment complex
Apartments
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
Rendering of the ground floor of a multi-use building showing retail spaces
Building Forward Planning

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 and, as such, most quotes are processed within 24 hours. We maintain a licensed staff 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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