Condominium Insurance Information
Condominium and Homeowner Associations:
SJR Insurance agency is a independent agency specializing in insurance programs for Condominium and Homeowner associations in Brevard County and throughout Florida. We offer a wide variety of insurance products to fit the needs of your association; including property, liability, D&O, flood, workers compensation, DIC, and environmental coverages. We represent or have access to most of the property markets that are currently writing condo and homeowner's associations.
Our markets include:
Heritage Property and Casualty
United Property and Casualty
Universal North American
Cypress Property and Casualty
Personal Condominium Insurance:
We also have special homeowner's (HO6) programs for the individual unit-owners. We have many markets available so you the individual unit-owner can be confident that you will receive the best coverage at the best rate!
Private Flood Insurance Program for COA' and HOA's:
At SJR Insurance we have a private flood insurance program. It provides superior coverage, with more options, and with far lower premiums and fees than you can get with the Federal flood program. Our premiums are 10% to 25% less then the Federal program and our fees are 29% lower. We only have a 15-day waiting period, and have options to waive the coninsurance requirement.
It is a alternative to the National Flood Insurance Program. Our Private Flood Insurance meets FEMA'S 6 criteria for acceptable private flood insurance:
2. Surplus Lines Recognition
3. 45 day cancelation/nonrenewal notice
4. Breadth of Policy Coverage
5. Strength of Mortgage Clause
6. Legal Recourse
The Biggert-Waters flood reform act of 2012 require's lenders to accept private flood insurance policies as satisfaction of the mandatory purchase requirement as long as the coverage provided by the private flood insurance satisfies the 6 standards specified in the Act.
For more information about our flood products go to http://www.theprivatefloodinsurance.com