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HOA and Condo Insurance in San Francisco and Oakland, CA

Protecting Property Owners in San Francisco and Throughout California

Whether it’s a fire caused by a careless tenant or property destruction caused by heavy winds, the risks that you face as a community association owner can be costly and for this reason you need protection. 

Homeowners' Association Insurance Coverage Details

Homeowners’ association insurance typically has four components, which are property, liability, directors and officers (D&O), and employee dishonesty.  Coverages that mitigate risks for each of these components are often included in HOA and condo association insurance policies, but we’ll find which coverage is right for you. 

The coverages from which you can choose include, but are not limited to:

•   Building Coverage

•   General Liability

•   Directors and Officers Liability (D&O)

•   Employee Dishonesty

•   Ordinance and Law

•   Data Compromise and Identity Restoration

•   Business Crime

Contact an agent to find out if you are eligible for additional benefits and discounts that can save you time and money.

Skilled, Knowledgable Agents Keeping You Secure

We’ve insured community owners associations in California and in other states and are aware of your specific needs.  We can explain the coverage that you have as well as find any gaps in coverage that you are concerned with.


Flood, earthquake, and hurricane coverage are among the coverages that you may need to purchase separately.  To learn about your risk for floods and earthquakes, use the FEMA Flood Map Service Center’s search tool and the California Earthquake Authority’s search tool, respectively.


Contact us or give us a call today.  You can start by requesting a quote.




We’re proud to provide homeowners association insurance in San Francisco, Oakland, Millbrae, Burlingame, San Diego, and the rest of California.  We also we serve other states.


Our Location

Riskguard Insurance Solutions

422 Presidio Ave.
San Francisco, CA 94115
Main office: 415-625-0552
Fax: 415-447-4181

Our Providers


Thank you to Christine who went above & beyond to lend a helping hand by providing us with quotes for our food truck business (which is a fairly new category to cover in the insurance world, I'm told). She was super patient with all of our questions, was prompt in communication, and is an all-around wonderful gal! Aside from our small business, I trust her to take care of my personal assets too

Sophie F.
I've used the Irene Herman Insurance for a few of my insurance needs! They helped me find health insurance when I was down and out and had pre-existing conditions (before Obamacare came along), and we worked long and hard to find a policy that would work for me. Also, they helped me find a better deal for my home insurance, and they're there when I need help to look for better car insurance rates. They're constantly on the look out for me and let me know if I can ever find better rates with another company, so I know they're on my side. It's a small family business, and they're good, kind people. I'm happy to work with cool people like this.

Katie H.
For the past year, Irene Herman Insurance Services has helped me and my business with a variety of insurance needs. They have consistently provided excellent and prompt service. I discovered Irene Herman Insurance via a website (don't remember which one) to request quotes for w/c, general and professional liability insurance for my business. I was contacted right away by Geoff Herman. Geoff was a huge help in helping us obtain the insurance we needed for a contract with the City of LA at a reasonable price. This was no small feat - we knew of a similar business that was having a hard time getting the E & O insurance. (We recommended them to Geoff and he helped them out, too.) Geoff also helped us with changing our medical and dental insurance for our business. For our personal insurance needs, Geoff helped us obtain life insurance and Iris Htwe assisted us with renters insurance. They are always available to answer questions and they respond very quickly to my emails. We've relied on Irene Herman Insurance Services for a number of different insurance needs over the past year and it has put my mind at ease to have them on my team.

Linda R.
I am not the type to write reviews but Geoff's service has been so amazing during a recent emergency situation that I decided to take a minute and offer my praise. Geoff's service has been excellent from the beginning. Promptly returns phone calls, excellent pricing, excellent knowledge of the industry, calm during a crisis, and a nice guy as well. And when the crap hit the fan recently, he went the extra mile repeatedly

David A.