Smith Insurance has been insuring Community Associations since their inception and specializes in providing risk management services for Homeowner’s Associations (HOA’s), Planned Unit Developments (PUD’s), Condominium Associations, and Cooperative Apartments across the country.

Several members of the Smith Insurance team have obtained the prestigious (CIRMS) designation to recognize professionalism and dedication to the unique tasks of insurance and risk management services to community associations from the national organization called the Community Association Institute (CAI). Our entire team adheres to the CIRMS Code of Ethics.

Why a CIRMS is Important to You?

As a board member, trustee, or volunteer leader of your community association or cooperative, you have fiduciary responsibilities that require that you receive professional and accurate advice. By hiring a CIRMS designee, you can be confident your insurance and risk management specialist understands his or her obligation to your community and is dedicated to their profession.

Not only does Smith Insurance understand the complexities of Community Association risk management but we are also an independent insurance agent which means that we represent several different insurance companies and have access to exclusive programs designed specifically for Condominiums, HOA’s, and PUD’s. So rather than spending hours gathering quotes from various companies for your Community Association, you can get it done with one simple call or email to Smith Insurance. We will shop around with competing carriers and programs to find your Association the most comprehensive coverage with the most cost-effective premiums.

Our level of service for has earned us a reputation as an industry leader for Community Association insurance. Some of our services for our Common Interest Development clients include:

  • Reviewing the Association Declarations and Bylaws to determine insurance requirements
  • Providing multiple insurance quotations with varying levels of coverage and pricing to meet the unique needs of each Association.
  • Attending Board meetings and General meetings to delve into insurance coverages and clarify how unit owners’ policies should be setup to properly dovetail the Association’s master insurance policy.
  • Serving as Claim Advocates to facilitate and ease the claims process.
  • Offering risk management services such as recommendations for property loss prevention and providing suggestions for reducing liability exposure.
  • Providing insurance education and risk management seminars to Board of Directors and Third-Party Property Management companies.

What Our Clients Say About Us!

Thank you for all of your help with our Association’s insurance needs. Your firm was able to save us almost 20% on our renewal and got us better coverage, quite an accomplishment. The responsiveness of your employees also made the entire process quick and easy. Thanks and kudos to your team for a job well done.
Condominium Association Board Member

Thank you all for putting up with my incessant questions and ongoing attempts to support my communities. The truth is, you folks are the best, and that is what I tell my Boards. Period.
Property Manager

I work for a property management company. We manage over 50 properties. Working with Smith Insurance has been a true pleasure. Not only are they just a great bunch of people to deal with, but they have also saved our associations a great deal of money without sacrificing coverage.
Community Manager

You guys rock!
Community Manager

Out of all the folks I work with as a result of my involvement with our Community Association, you are without a doubt the best. You always answer my questions, even though I may ask again and again. You are patient and always very, very helpful. You are a true professional! Even if my question is out in left field, you still get back to me and work with me, until I understand. Thank you so much…it is a pleasure to work with you!
Condominium Association Board Member

Honest, friendly and professional service is very hard to find in business today. I thank your agency for caring enough to give all of the above to our community association. Your agency always works hard each year to get us the best insurance coverage and premium that is available in the market.
Condominium Association Board Member

Please let us know if you would like to speak directly with one of our highly satisfied clients.

If you would like to setup a risk management consultation with one of our Community Association Insurance specialists, please contact us at or at (215) 542-5959 ext 100.