Business Details
HOA Insurance Specialists in Aliso Viejo, CA
Labarre-Oksnee Insurance has dedicated its operations to providing comprehensive insurance protection and exceptional service for community associations. With over 35 years of experience, we have built a reputation as a trusted partner for homeowner associations seeking tailored coverage solutions. Our team of 60 professionals specializes in understanding the unique risks faced by HOAs, offering direct account representation and advanced automation systems to streamline insurance processes. We prioritize our customers by treating them as partners and friends, ensuring personalized support throughout their insurance journey.Our independent agency status allows us to negotiate competitive premiums across multiple carriers, while our risk management programs help associations proactively address potential liabilities. Through our commitment to excellence, we have served over 10,000 customers and continue to grow while maintaining our core values of integrity and community involvement.
Services
HOA Insurance
Earthquake Policies
Workers Compensation
Risk Management
Certificate Services
Highlights and features
- We offer over 35 years of specialized HOA insurance experience
- Our independent agency model provides access to multiple carriers
- We maintain a customer-first approach with dedicated account representation
- Our risk management programs include property surveys and loss control recommendations
- We offer 24/7 access to condominium certificates of insurance through EOI Direct
Services
HOA Insurance
We provide specialized insurance solutions for homeowner associations, covering property damage, liability, and unique risks associated with community living. Our policies address fire damage, water leaks, and structural components as defined in governing documents. With expertise in HOA-specific needs, we offer customizable coverage options that protect both common areas and individual units while ensuring compliance with legal requirements.
Earthquake Policies
Our earthquake insurance policies protect associations against catastrophic seismic events. We offer coverage through multiple A-rated carriers, with customized solutions based on property location and structural characteristics. Our team helps associations understand their earthquake risk and implement appropriate coverage levels to ensure financial protection in the event of a major earthquake, which standard insurance policies typically exclude.
Risk Management
We provide comprehensive risk management programs that include property surveys, loss control recommendations, and risk treatment strategies. Our five-step approach identifies potential exposures, implements preventive measures, and continuously improves risk mitigation strategies. This proactive approach helps reduce insurance claims, lower premiums, and create safer communities through documented risk management practices.
Certificate Services
We offer 24/7 access to condominium certificates of insurance through our EOI Direct online portal. Our system provides immediate documentation for lenders and homeowners, with dedicated support for those requiring assistance. We ensure quick processing of certificate requests while maintaining accurate records that meet mortgage requirements and association obligations.
Workers Compensation
Our workers' compensation coverage protects associations against claims arising from contractor injuries and board member activities. The policy covers medical expenses, lost wages, and legal costs associated with work-related injuries. This specialized coverage ensures financial protection for associations while fulfilling legal obligations related to third-party workers performing services on association property.
Questions
What are the advantages of working with an independent insurance broker?
Independent brokers like LaBarre/Oksnee have appointments with multiple carriers, allowing us to negotiate better coverage options and competitive premiums tailored to your HOA's specific needs.
What does a typical association property policy cover?
Our policies cover fire damage, water damage from plumbing failures, and structural components as defined in your CC&Rs, with options for bare walls, single-entity, or all-in coverage.
Why do associations need workers' compensation insurance?
Our workers' compensation coverage protects associations against claims from contractors' injuries and extends to board members performing association duties.
How can I obtain a certificate of insurance?
Homeowners can request certificates via email, while lenders can obtain them through our EOI Direct online portal or document service line at (877) 456-3643.
Why should associations consider earthquake insurance?
With California's high earthquake probability, our specialized earthquake policies help protect associations from catastrophic losses that standard policies don't cover.
How is replacement cost determined for insurance purposes?
We use Marshall & Swift/Boeckh valuation reports and carrier-specific software to determine 100% replacement cost based on construction details, location, and building characteristics.
Reviews (7)
Kevin Fu
Apr 07, 2022
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Keith Hatch was a godsend in the midst of hopelessness. I had an insurance case with my HOA where they and the insurance adjuster were difficult to work with and caused many delays. I had fronted a lot of money for the expenses to fix everything but it had almost been a year since the incident and everything was at a standstill. Keith stepped in one day, heard my side, and immediately did everything he could to help me out. Within a week, he was able to get everyone on the same page and finalize the final steps of my case. I am very grateful for Keith and he would be my go-to guy in the future.
Kristin C.
Mar 08, 2022
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We have developed a great partnership with Labarre/Oksnee. Their dedication to our insurance needs is evident in all aspects of their customer service and products. Their staff is extremely knowledgeable and professional. I would gladly recommend them.
Colleen R.
Jul 07, 2021
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The staff is incredible to work with. Anytime you need an updated cert for your HOA, they are on it and they are ready to help anyway they can.
Vic E.
Feb 25, 2021
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I had to email multiple times for an answer. When they did respond, they said that it was being expedited. They did not give direction that I needed to call to have the information updated for the Lender to be added, or that I would have to pay a fee to have this done. They not only ignored my multiple outreaches, they deflected when they finally responded instead of apologizing or taking responsibility The email address they eventually sent to obtain the information, was spelled correctly, as well as my name. Horrible, Unprofessional Service
Shane Milne
Feb 02, 2021
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This is a scam of an insurance company for charging $80+ just to obtain evidence of insurance. Edited to add after business owner's response: we deal with insurance agent's for condominiums all over the U.S. and it is rare for any of them to use EOIDirect.com. 99% of them just complete it themselves at no cost, as it's a part of the service they provide to their customers. The $80 is an additional expense that customers will incur from Labarre Oksnee and is not standard in the industry in any way, shape or form. If you are in charge of a homeowner's association I'd encourage you to look into your other options for insurance.
Abba K.
Aug 17, 2020
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I give one. they should get a -5. they don't even answer the phone. 800 or 949. no recording to leave a message. nothing. if you are burning. keep burning. your insurance company does not give a hoot.
Daniel W.
Jun 18, 2020
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Great agent worked with us, saved our HOA a bunch of money in the first year. They have kept the rate the same or better for the next 5 years. As a board member this is all we care about.
