HOA Auto Insurance
Protect your HOA with innovative and customized insurance strategies, so your community is prepared when you need it most. HOA Auto Insurance (often written as commercial auto insurance) is designed to help protect the association when vehicles are used for HOA business—whether the HOA owns vehicles, leases them, or relies on volunteers and employees who drive for community-related tasks.
Below are common coverages HOAs choose to include. If you need coverage not listed here, don’t hesitate to reach out—we can help you build an auto program that fits your community.
Liability Coverage for HOA-Owned Vehicles
If your HOA owns or leases vehicles (maintenance trucks, vans, utility carts that are street-legal, security vehicles, or service vehicles), auto liability coverage helps protect the association if an accident causes injuries or property damage to others.
Physical Damage (Comprehensive & Collision)
Physical damage coverage can help repair or replace HOA-owned vehicles if they’re damaged in an accident, vandalized, stolen, or harmed by weather-related events. This is especially important for vehicles used frequently for maintenance or on-site operations.
Hired & Non-Owned Auto Liability (HNOA)
Many HOAs don’t own vehicles—but still have exposure when board members, volunteers, or employees use their personal cars for HOA errands (bank deposits, vendor meetings, property inspections), or when the HOA rents a vehicle. Hired and non-owned auto coverage can help protect the HOA if it’s named in a lawsuit after an accident involving those vehicles.
Employee & Volunteer Driving Exposure
If people drive on behalf of the HOA, the association can be pulled into claims—even when the driver has their own insurance. We help you evaluate how often driving happens, who is driving, and what controls you have in place—so coverage matches real-world use.
Uninsured / Underinsured Motorist (When Applicable)
If an HOA-owned vehicle is hit by a driver with little or no insurance, uninsured/underinsured motorist coverage can help with covered injuries and damages—depending on your state and policy structure.
Medical Payments / Personal Injury Protection (Where Available)
Depending on your location and policy structure, medical payments or PIP may help cover injuries for occupants in an HOA vehicle, regardless of fault.
Coverage for Trailers, Equipment & Special Vehicles
HOAs sometimes use trailers or transport equipment for maintenance and landscaping. Coverage can often be expanded to include eligible trailers or special-use vehicles—so your association isn’t exposed during routine operations.
At StarNet Insurance Group, we help HOA boards and property managers build auto coverage that makes sense — so your vehicles, drivers, and community operations are protected with confidence.