Hendrickson Insurance
Hendrickson Insurance
HOA insurance, condo association master policies, and habitational property insurance for Florida apartments and multi-family residential properties. The Gulf Coast (Sarasota, Bradenton, Tampa, Clearwater, Venice) is dense with HOAs, condo associations, and rental apartment buildings. Each needs commercial-form coverage tuned to residential-occupancy exposures. Hendrickson Insurance writes these through specialty habitational markets and admitted Florida carriers.
Florida condo association master policies covering building exterior, common areas, and (per bylaws) some level of unit interior. Coordinated with individual unit owner HO-6 policies.
Homeowners association coverage for common amenities (pool, clubhouse, gates, landscaping), HOA liability, and HOA D&O for board members. Critical for any Florida HOA.
Multi-family rental property insurance: building, contents, liability, loss of rents. Florida apartment underwriting is challenging given hurricane exposure and roof age sensitivity.
Duplexes, fourplexes, and small multi-family properties owned as investments. Coverage similar to apartment but with different underwriting class.
Townhome and villa community associations with shared structural elements and common areas. Coordinated coverage between association master and individual owner policies.
Properties with ground-floor commercial plus residential above. Coordinated commercial + habitational coverage on a single building.
A Florida HOA or condo association program is really several coverages working together: property on the buildings and common areas the association owns, general liability for the grounds and amenities, directors and officers for the board, and usually fidelity or crime and, in most cases, flood. On the Gulf Coast, wind and named-storm deductibles and rising replacement costs make placement and limits the hard part, which is exactly where an experienced agent earns their keep.
We work with associations and their management companies across Sarasota, Bradenton, Tampa, and the surrounding communities to build the right tower of coverage for the buildings, the board, and the reserve study. Whether you are shopping a renewal or a board that just took over, we can quote it.
Call 941-952-7991 with your unit count, total insured value, and current carrier.
The condo association master policy covers the building exterior, common areas, and (depending on the association's bylaws) some level of the building structure inside individual units. Master policies come in three main forms: bare walls (covers only structure to the studs), single entity (covers the original interior fixtures), and all-in/all-inclusive (covers betterments and improvements). Unit owners pair this with their own HO-6 policy.
Habitational insurance is commercial property and liability insurance for apartment buildings, multi-family rentals, condo associations, HOAs, and similar residential-use properties operated as commercial real estate. It differs from owner-occupied homeowners coverage and from typical commercial property because of the residential occupancy exposures: tenant-caused damage, premises liability with residents and guests, fair housing claims, and habitability issues.
Call 941-952-7991. Have your property type (HOA, condo association, apartment building), unit count, building details (year built, construction, sprinkler status, roof age), current declarations page, and loss history ready. Florida habitational underwriting is tight; preparation matters.
Habitational is a specialized branch of commercial property.
02 / Related CoverageFlorida HOA and apartment buildings need commercial flood coverage.
03 / Related CoverageHOA boards face D&O exposure; board members need protection.
04 / Related CoverageAbove habitational GL for catastrophic claims.
Call 941-952-7991 or schedule online. Have unit count, building details, and current dec page ready.
Dennis Hendrickson changed a New Jersey state tennis rule at 17 and played four years of Division I tennis at UNC Charlotte. Today he writes both the commercial and the personal insurance for Gulf Coast owners himself, and he works a renewal or a claim the way he played: nothing conceded, no point given away.
When you apply, he answers. Every application goes straight to Dennis. He reads it himself and responds the same business day in most cases, always within 48 hours.
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