Florida condo and HOA, written through AmRisc.
condo and HOA risks built to current Florida wind standards. We look for positive , modern mitigation, and well-managed association property. We’ve been writing this book since 2007.
Garden-style condos and HOAs that value mitigation as much as we do.
- Properties built or updated to current Florida wind standards, with documentation that supports mitigation credits.
- Garden-style construction with documented wind mitigation. We underwrite the risk profile, not the : how the property is built and maintained matters more than how large it is.
- Florida communities, where we’ve written commercial residential since 2007.
- Associations with active boards and current . We underwrite the property, but the operating reality of the association matters too.
Built on a commercial property base.
We start from a commercial property policy for commonly owned association property and layer in the options agents, brokers, and boards ask for most.
- ISO Special Perils form, included as standard on every policy
- ISO Broad option, available
- Ordinance or Law option, available
- Commonly owned association property
- Multiple extensions of coverage
- Wind-driven precipitation, optional
Improvements that lower premium.
Florida law allows credits for documented mitigation. Your agent or broker confirms eligibility with the inspection report.
- Roof shape
- Hip-roof or comparable wind-resistant geometry.
- Roof covering
- Hurricane-rated covering with documented installation.
- Roof-deck attachment
- Hurricane straps and improved fastener patterns.
- Roof-to-wall connection
- Wraps, straps, or clips at critical connections.
- Wall-to-floor-to-foundation
- Continuous load path with verified anchoring.
- Opening protection
- Impact-rated windows, doors, or rated shutters.
Other savings may be available. Speak with your agent or broker to confirm eligibility.
Frequently asked.
- Does American Coastal Insurance sell directly to policyholders?
- No. American Coastal does not sell direct. All condominium and HOA property is placed through AmRisc Group, an exclusive managing general agent. Contact an appointed retail agent or wholesale broker who works with AmRisc to obtain coverage.
- How do I submit a Florida condominium or HOA association risk?
- Condo and HOA submissions go through AmRisc Group at amriscgroup.com. Retail agents can submit directly; wholesale brokers work through the same desk. Have the association's current wind mitigation inspection report, building schedule, and loss history ready.
- What financial strength ratings does American Coastal hold?
- American Coastal Insurance Company is rated A, Exceptional by Demotech (Financial Stability Rating) and A−, Positive outlook by Kroll Bond Rating Agency (KBRA). Both ratings are recognized by Fannie Mae, Freddie Mac, HUD, and the Florida OIR.
Talk to your appointed agent or broker, who submits to AmRisc Group.
Condo and HOA submissions and claims route through AmRisc Group, an exclusive MGA specializing in hurricane-exposed properties. AmRisc works with retail agents as well as brokers.
On the board and don’t have an agent yet? Any Florida-licensed agent or broker can submit to AmRisc Group, and your property manager can usually recommend one who already works this market. Or start with the carrier directly: (727) 633-0851 or the contact page.