Why choose IOA for property insurance
IOA combines deep expertise with personalized service to deliver solutions tailored to your unique property protection needs.
Whether you have a home, condominium, or manufactured home or you rent an apartment, IOA’s experts connect you with comprehensive policies that align with your needs. From flood protection to landlord coverage, we help you protect what matters most.
Tailored coverage for every property type
From homeowners and renters to landlords and condo owners, IOA offers policies that address the unique risks and requirements of each living situation.
Trusted guidance every step of the way
With years of experience and access to leading insurers, IOA is a reliable partner in safeguarding your property. Our team works tirelessly to help you ensure your coverage evolves with your circumstances.
Proactive risk management
We provide more than just insurance—our advisors offer strategies to help you mitigate risks, protect against liability, and ensure peace of mind.
IOA property insurance products
Homeowners insurance
Renters insurance
Condominium insurance
Flood insurance
Manufactured homes insurance
Landlord insurance
Homeowners insurance
Your home is likely your largest investment, and protecting it is essential. Homeowners insurance provides necessary coverage to ensure your property and personal belongings are safe from life’s uncertainties.
Homeowners looking for comprehensive protection for their property, belongings, and liability risks need property coverage to ensure peach of mind.
Homeowners insurance coverage offers:
- Coverage for damage caused by fire, storms, and other perils
- Personal property protection for furniture, electronics, and valuables
- Liability coverage for accidents or injuries that occur on your property
Renters insurance
Even if you don’t own your home, it’s vital to protect the belongings you’ve worked hard to acquire. Renters insurance offers affordable and effective coverage for renters.
Anyone renting a home, apartment, condo, or manufactured house who wants to safeguard personal property and protect against liability need this coverage.
Renters insurance coverage offers:
- Coverage for theft, fire, and water damage to personal belongings
- Liability protection for incidents inside your rental unit
- Additional living expenses if your rental becomes uninhabitable
Condominium insurance
Living in a condo comes with unique insurance needs. Condo insurance bridges the gap between your personal protection and your association’s master policy.
Condominium owners seeking specialized coverage for personal and shared property risks need this important coverage.
Condominium insurance coverage offers:
- Coverage for interior upgrades and personal property
- Liability protection for incidents that occur within your unit
- Assessment coverage for shared spaces within your building
Flood insurance
Flooding is one of the most common natural disasters, and standard property policies typically don’t cover it. Flood insurance ensures you’re prepared for rising waters. For the best options for your, IOA experts have access to National Flood Insurance Program (NFIP), private, and excess policies
Homeowners and renters in flood-prone areas or those seeking peace of mind against water damage risks will benefit from this coverage.
Flood insurance coverage offers:
- Protection for structural damage
- Coverage for personal belongings
- Options for homes in high-risk flood zones
Manufactured homes insurance
Manufactured and mobile homes require specialized coverage to address their unique vulnerabilities. IOA offers tailored policies for protection of these properties.
Owners of manufactured or mobile homes looking for robust protection tailored to their property type will need to secure specialized insurance.
Manufactured home insurance coverage offers:
- Coverage for the home structure and attached features like decks and garages
- Protection against windstorms, fires, and other natural disasters
Liability coverage for accidents or injuries on your property
Landlord insurance
Managing rental properties comes with its own set of risks. Landlord insurance provides peace of mind for property owners.
Landlords seeking to protect their rental properties and income streams need this important coverage.
Landlord insurance coverage offers:
- Coverage for property damage and loss of rental income
- Liability protection for tenant or guest injuries
- Options to cover multiple properties under one policy
Our personal insurance products
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