Expert guidance for protecting your community assets
At FS Insurance Brokers, we understand that your community's physical assets are among its most valuable components. As subject matter experts, we are committed to guiding you through the complexities of property insurance, helping your community receive robust coverage tailored to its unique needs.
Why choose FS Insurance Brokers?
- Industry expertise: Our in-house team of over 30 licensed professionals and subject matter experts
- Strategic partnerships: Collaborations with industry-focused local and national brokers
- Risk management: Education and claims advocacy to reduce claims exposure
- Competitive solutions: Our partnerships access the entire insurance marketplace to deliver programs designed and priced for communities
- Proven track record: Experience, perspective and knowledge matter, we support 1000’s of communities protecting over $200B in total insurable value.
Comprehensive protection for your community
As insurance experts, we help you secure specialized policies designed to protect your assets against various hazards, including:- Structural damage to buildings
- Smoke damage to interiors and contents
- Damage to fire suppression systems
- Burst pipes and plumbing failures
- Roof leaks
- Flooding from severe weather
- Sewer and drain backups
- Roof damage
- Broken windows
- Structural damage from fallen trees or debris
- Break-ins and burglaries
- Theft of community-owned equipment or furnishings
- Vandalism resulting from theft attempts
- Earthquakes
- Floods
- Wildfires
- Hailstorms
- Landslides
Physical assets we help protect:
- Residential units (in condominiums or cooperatives)
- Clubhouses and community centers
- Administrative offices
- Maintenance buildings
- Parking structures
- Furniture in common areas
- Office equipment and technology
- Maintenance and landscaping equipment
- Recreational equipment (e.g., gym equipment, pool furniture)
- Artwork and decorative items in common areas
- Landscaping, including trees, shrubs, and lawns
- Swimming pools and spas
- Tennis courts and other sports facilities
- Playgrounds and parks
- Roads and walkways within the community
- Fences and gates
- Signage and lighting fixtures
Real-world scenarios: How property insurance safeguards your community
We confidently guide you through various challenging scenarios, including:
- Water damages
- Fire damage to common-owned property
- Wildfire risks
Expert insight on wildfire risks
Jamie George, vice president of insurance at FS Insurance Brokers, discusses the impact of wildfires on insurance coverage in California:
"Since 2017, we've seen record losses due to fires. The state has taken steps through the legislative process to help protect homes and building structures by updating guidelines for defensible space and changing the fire hazard safety zones, but the damage has already been done. Insurance premiums have gone up as a result. A higher risk generally results in higher premiums if an association can find coverage depending on fire risk and score. More often than not, the increases seen at renewal change up to the point when new coverage takes effect."
A proactive approach for board members
We recommend:
- Engaging with management teams, insurance agents, and brokers
- Being involved in the process and asking questions
- Maintaining property according to best practices
- Following state and local agency guidelines
- Do not make insurance decisions based solely on price
How FS Insurance Brokers supports your community
Our team of experts is actively working to help communities by:
- Monitoring market conditions, options, and trends
- Understanding coverages and providing analysis
- Educating on risk management strategies
- Engagement with residents
- Avoiding underinsurance and coverage gaps
"If you're hearing that you can save money on your renewal, then you're most likely sacrificing on coverage, or worse. And given the conditions in the market right now, that's not the type of situation you want to end up in."
Sean Kent, senior vice president of insurance at FirstService Financial.
Invest in your community's protection
Our team at FirstService Insurance Brokers is committed to providing you with expert advice and solutions for complex insurance situations. By choosing us, you are partnering with industry experts dedicated to your community's long-term security and financial stability.
Our commitment to management education, mitigation, and control allows us to source superior programs with coverage at competitive, needs-based rates.
Contact our team of experts today to learn how our property insurance expertise can help protect your assets and improve their total cost of risk.
Get in touch
Let us show you how FS Insurance Brokers can serve your community.