Providing Excellence And Professionalism In Community Association Insurance Services Since 1991

Roy Palacios Insurance Agency

Specializing in Common Interest Development Insurance Services


Types of Coverages

Liability– Premise & Operation/Personal Injury/Parking Area

Fidelity Bond Coverage Includes Management Company

Directors & Officers Includes Management Company/Past & Present Board Members & Discrimination

Earthquake Coverage

High Rise Specialty Programs

Workers’ Compensation

Umbrella Liability

What to Expect


Most Proposals Prepared in 24 hours

Coverage Includes Management Company

Association Legal Documents reviewed to maintain compliance with CC&R’s and Civil Code


Coverage for Developer Controlled Boards

Customized Data Base to handle the most Complicated Communities

Seamless Phase Annexation Integration

Budget Consultants

Complicated Proposals Provided at no Cost 24 Hour Turn Around

Complicated Phasing Schedules Prepared by your Specifications

Able to Handle all CID Product Types

About Us

Roy Palacios Insurance Agency (RPI) opened its doors in 1991 as A Farmers Insurance Agency with a focus on personal lines and life insurance products and experienced immediate success. RPI is proud to be a Farmers Insurance agency because it believes the company is customer focused and will adapt to the changing needs of the clients we service.

In 1993, RPI launched its commercial division together with state-of-the-art operational systems to ensure optimum process efficiency. In the same year, RPI also created and implemented a marketing plan with specific emphasis on HOA habitational products. The plan included free educational services to enhance its clients’ and prospects’ knowledge of the products it offered and the benefits to them.

As a direct result of consistent and personalized customer service, RPI presently provides insurance services to 500+ homeowners associations in California and Nevada and maintains a stellar 95% annual retention rate that is reflective of a very high customer satisfaction score. RPI’s high standards and performance excellence has earned them Farmers Insurance Elite Commercial Agency for the past 15 years, only about 2% of the entire Agency force qualifies for this designation. In the end it is not about us but about our clients and their insurance needs, our goal is always to strive and surpass our clients’ expectations.


Don’t take it from us


Here’s what our clients have to say about us

“The team at Roy Palacios Insurance Agency have always been so kind and helpful. I’ve worked with Roy and his staff for over 10 years and I’ve always had a positive experience. They are conscientious of my time and my clients, always providing excellent service in communication, explanation of benefits and available whenever I need them. They have been a great partner!”

Tracie Manriquez
Director of Community
Property Management Professionals

“I have had the pleasure of working with Roy Palacios Insurance Agency for over a decade. The property management industry can be one with quick deadlines and demanding needs and Roy Palacios and his team have never let me down. Their entire team is professional, kind, educated and always eager to serve their clients and communities in any way that they can. I have been through two insurance claims with their firm and am thrilled to report that both claims were resolved in a timely manner with the utmost of care. I would recommend Roy Palacios Insurance Agency to anyone who is looking for quality service and professional care.”

Kendrah Kay
VP of Management Services
Powerstone Property Management

“Roy Palacios Insurance has been great to work with over the course of many years for many of the HOA’s we service. Available, friendly and able to think out of the box with unique situations, they have been a great resource to both our managers and boards of directors.”

Corinne Crawford
VP of New Community Development
The Management Trust

Our Values


  • Integrity
    Honesty, Humility, and Courage.
  • Intent
    Care and Concern – Acting in others best interest while seeking the mutual benefit of Farmers Insurance and our agency.
  • Competence
    Produce and Accomplish – Being viewed as an authority in our chosen industry through product knowledge and research.
  • Results
    Getting the Right Things Done – Achieving the desired objectives by taking responsibility and expecting to succeed.

Meet Our Team

Roy Palacios
Roy Palacios

President / Owner
Tina Neubauer
Tina Neubauer

Executive Vice President of Commercial Accounts
Cory Neubauer
Cory Neubauer

Vice President of Marketing & Business Development
Elise Hunt
Elise Hunt

Assistant Vice President of Commercial Accounts
Nicole Peterson
Nicole Peterson

Associate Commercial Account Executive
Roy Palacios Jr.
Roy Palacios Jr.

Agency Producer
Beatriz Reyes
Beatriz Reyes

Senior Customer Service Representative
Monique Lopez
Monique Lopez

Customer Service Representative
Kimberly Palacios
Kimberly Palacios


Charitable Partners

Contact Us

Phone: 949.582.0964
Toll Free: 800.733.0795
Fax: 949.582.0655

26081 Merit Circle, Suite 101
Laguna Hills, CA 92653

Office Hours: 
9:00am to 5:00pm PT
Monday through Friday

Have a Question?

26081 Merit Circle, Suite 101, Laguna Hills CA 92653 | Phone: (949)582-0964 | Fax:(949)582-0655

California – Nevada – Oregon – Arizona

License 0D36891