Who Is LIO?
LIO Insurance Company is a specialty insurance carrier focused on community association coverage — the master policies that protect homeowners associations, condominium associations, and similar shared-property communities. LIO pairs in-house underwriting and claims expertise with a modern, digital-first platform, and is rated A- VIII (Excellent) by AM Best. As a newer carrier unburdened by legacy liabilities, it offers a streamlined experience, including bindable quotes in minutes through its online portal. Accident medical plans are among its additional specialty products.
For independent agents, LIO delivers bindable quotes, flexible submission options, and a 24/7 online claims portal, and is accessible through agent platforms such as First Connect. Its emphasis on technology and service is reflected in strong customer-satisfaction scores. Better Choice Insurance Group works with LIO to place coverage for community associations and boards that need reliable, responsive master-policy protection.
What They’re Known For
- Community Associations: Master coverage for HOAs, condo associations, and shared communities.
- A- Rated: Rated A- VIII (Excellent) by AM Best.
- Digital-First: Bindable quotes in minutes and a 24/7 online claims portal.
- Specialty Focus: A niche carrier combining in-house underwriting with modern technology.
Quick Links
Where We Write LIO Insurance
Better Choice Insurance Group offers LIO coverage to clients across our service areas:
- Illinois: St. Charles, Naperville, Chicago, Aurora, Schaumburg
- Texas: San Antonio, Dallas, Houston, Austin, Fort Worth
- Indiana: Indianapolis, Carmel, Fishers
- Minnesota: Minneapolis, St. Paul, Bloomington
Frequently Asked Questions
Does Better Choice Insurance Group offer LIO insurance?
Yes. Better Choice Insurance Group is an independent insurance agency that offers LIO policies and compares them against 22+ carriers to find you the best coverage at the best price. Call (847) 908-5665 for a free quote.
Where can I get LIO insurance through Better Choice Insurance Group?
Carrier availability depends on your state, ZIP code and the details of your home or vehicle. Request a free quote online or call (847) 908-5665, and we'll confirm whether LIO can write your policy and compare it with the rest of our carrier panel.