Residential Complex

Multi-building managed housing

developments and associations


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What are the insurance needs of a centrally managed residential complex?


Your common-interest development

Your homeowners’ association or its property manager is in charge of managing and possibly selling the homes in your development. Associations are usually formed to allow the original planners and developers to separate from the community’s financial and legal responsibilities and turn over the reins to residents to manage their own common interests.

The property and its common areas require the management to insure against a host of potential risk and liabilities. The governance of your residential complex is similar to that of a municipality in that your homeowners association is responsible for the safety and security at common-use areas, as well as financial management. Maintenance fees paid by residents usually cover premiums for insurance of commonly-owned structures and areas.

CIG’s speed On-the-Spot Response™ and FastTrack Processing™ of claims can make a big difference in rectifying damage or loss before residents become irritated. Our risk management assistance can also help owner-residents participate in safety and security planning and prevention.

Types of organizations covered:

  • Townhome complex or association
  • Assisted living association
  • Co-op or condo apartment complex


Coverage descriptions are for illustrative purposes and are intended solely to provide a general overview of potential coverage. Information included does not represent a contract or any other obligation. Only an insurance policy can define actual terms, conditions, rates and exclusions. Please consult your local agent for complete details.

Availability: CIG Commercial coverage is currently available in Arizona, California, Nevada, Oregon and Washington. Types of policies may vary from state to state.


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Risk Management

Tools for your business from

The Protector Network®

The Protector Network

More Safety. More Security. More Savings!™

The Protector Network includes risk management tools for business, savings opportunities on safety and security products and services.

It's FREE to CIG policy clients..as a member you can take advantage of 20-60% savings opportunities on brand partner products for your business such as software, tools and restoration services. Use the library to view  books, articles and tips to help you create your own safety and security plan or log on to find local emergency repair or clean-up services.

To learn more go to The Protector Network.

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Real People, Real Help

According to the Fallbrook Bonsall Village News (Oct 16, 2008) — Valley Oaks Mobile Home Park: One Year Later:

When the Rice Canyon Fire swept through Fallbrook, one of the neighborhoods hardest hit was Valley Oaks Mobile Home Park. Charred, twisted metal and piles of ash sadly represented 106 mobile homes destroyed in the firestorm...At the time, with so much destruction and despair, it was hard for many to imagine that Valley Oaks could ever return to its lovely park-like setting.

The recovery that Valley Oaks is making has been primarily credited to CIG (California Capital Insurance Company).

“Our insurance company did a great job meeting their commitments to us and we are very thankful to them,” said Richard Grossman, managing partner of Valley Oaks. "It was this money that helped the park move forward with determination."

Read the full story.