Independent insurance agency · Carlsbad, CA
Protecting California communities, properties and the people who run them.
Di Nino Insurance is an independent agency. We compare coverage from multiple insurance companies for HOA and condominium associations, property managers, building owners, businesses and families, and you work with one advisor from quote to claim.
Began as a condo & HOA specialist
Now covering every line your community needs
in property & casualty
licensed to serve
specialty roots
multiple carriers, one advisor
Who we work with
Coverage for the people responsible for a property, a business or a family.
Whether you sit on a board, manage a portfolio or run a company, we start with your obligations and build from there.
HOA & condo boards
Master policies, D&O and fidelity coverage that satisfy your CC&Rs and lender requirements, explained in plain language for your board.
Property managers & owners
Coverage for the communities and buildings you oversee, and for your own firm, with quick certificates and renewals.
Business owners
General liability, workers’ comp, commercial auto, cyber and more, packaged around how your business actually runs.
Individuals & families
Home, condo, auto, umbrella and life coverage from the same advisor who already knows your community.
What we insure
Every line of coverage, under one roof.
From the association’s master policy to an owner’s HO-6, from a contractor’s workers’ comp to a family’s auto policy, one independent office shops and services it all.
Community associations
Master property (HOA & condo)
General liability
Directors & officers (D&O)
Crime & fidelity bonds
Umbrella & excess liability
Earthquake & flood
Property & real estate
Apartments & multifamily
Mixed-use & high-rise
Commercial property
Landlord & rental dwellings
Property manager E&O
Builder’s risk
Business
Business owner’s policy
General liability
Workers’ compensation
Commercial auto
Cyber liability
Employment practices (EPLI)
Personal
Homeowners
Condo unit owners (HO-6)
Auto
Personal umbrella
Renters
Life insurance
How we work
A clear process, from first review to renewal.
01
Review
We start with your governing documents, leases or contracts and your current policies to find gaps, overlaps and lender or CC&R requirements.
02
Shop
We take your risk to multiple carriers, compare coverage, limits and price, then walk your board or team through the options before anything is bound.
03
Support
Certificates, endorsements, claims and renewals run through the same person, so nothing gets lost between handoffs.
Already a client?
Certificates, claims and policy changes, handled.
Certificates of insurance
Lenders, vendors and homeowners can request a certificate or evidence of insurance. Send the requester and property details and we’ll take it from there.
Request a certificate
Report a claim
Call us first. We’ll help you document the loss, open the claim with the carrier and stay with it until it closes.
Call to report
Policy changes & renewals
New building, new vehicle, new board member? Tell us what changed and we’ll update your coverage and keep renewals on schedule.
Request a change
Questions
What boards and owners ask us most.
Does our HOA really need D&O coverage?
In almost every case, yes. Volunteer directors can be named personally in lawsuits over board decisions. D&O pays for defense and settlements, and California law only extends added protection to volunteers when the association carries certain minimum coverage.
What’s the difference between the master policy and an HO-6?
The association’s master policy covers common areas and, depending on your CC&Rs, the building structure. An HO-6 covers your unit’s interior, your belongings, your personal liability and loss assessments passed on to owners.
Can you review our policies before renewal?
Yes. Send us your declarations pages and governing documents and we’ll compare your coverage, limits and deductibles against what you’re required to carry.
Are you an independent agency?
Yes. We aren’t tied to one insurance company, so we can compare coverage and pricing from multiple carriers and recommend what fits your association, property or business best.
Ready for a second look at your coverage?
Tell us what you need to insure, and we’ll be in touch to talk through your options.