Certificates of Insurance for Unit Owners 2026

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  1. Click ‘Get Form’ to open it in the editor.
  2. Begin by entering the date at the top of the form. This helps track when the request was made.
  3. Fill in the recipient's name, Mikki Freyre, and ensure you include both fax numbers provided for accurate communication.
  4. Complete the sections for Condominium Name, Unit Owner Full Name, Unit Number, and Unit Street Address. This information is crucial for identifying your specific unit.
  5. Provide your bank's name, fax number, and address. Include your loan number to facilitate processing.
  6. Attach any necessary documents such as the letter from your bank. Use the notes section for any special instructions or additional recipients for the certificate.

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A COI is a document that verifies that the community has the necessary insurance coverage to protect against property damage or liability claims. You can typically find a general COI for your community on the Resident portal.
If you are a subcontractor, vendor, or any business performing services on another business behalf, you will need to provide a COI. If you are hiring a subcontractor, vendor, or any business to perform services on your behalf, you will need to obtain a COI from the subcontractor.
The HOA certificate of insurance lists the name of the insurance company, the policyholders name, effective dates of the policy, the type of insurance coverage purchased, and the dollar amounts of deductibles and liability limits. A certificate of insurance is not the actual policy.
No. Insureds dont have the authority to issue their own certificates. However, getting a certificate from your insurance agent is easy. A simple call to your agent will allow you to confirm you have the appropriate amount of coverage and your agent will send you the COI free of charge.
In California, the Davis-Stirling Act statute protects owners from individual liability, provided the HOA maintains at least minimum levels of insurance as follows: $2 million for associations with 100 or fewer separate interests and $3 million for associations with more than 100 separate interests.

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People also ask

By Allstate. Last updated: August 2025. Condo insurance is a policy that is purchased by the owner of a condo unit. It generally helps pay to repair your unit and your belongings if they are stolen or damaged by certain perils, such as fire or vandalism.
A HOA certificate of insurance is a document issued by an insurance company, agent or broker that verifies that your HOA has insurance coverage.

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