Important Insurance Information

The Homeowners Association carries a hazard insurance policy through State Farm Insurance called a "master" or "blanket" policy. It covers the entire development including the units, common areas, and facilities. This policy provides coverage against fire, windstorm, water damage, vandalism and other hazards (see CC&Rs Section 18).

This policy covers basically everything that came with the unit when the builder sold it. Exterior features (i.e., stucco, siding, brick, stone, and roofing) and interior features (i.e., framing, insulation, electrical, mechanical, plumbing, cabinets, countertops, light fixtures, flooring, appliances, drywall, and paint) are all covered by the master policy. (Flooring does include all carpet, tile, laminate, and linoleum floor coverings.)

It does not cover any personal property. This would include vehicles, furniture, electronics, clothes, televisions, and any other personal items. Each homeowner is required to provide their own policy to cover personal property (see CC&Rs Section 18, p. 20). This is called a condo policy and is fairly inexpensive.

If you do not have a condo policy to cover your personal property, you need to get one. State Farm offers a good policy that would compliment the master policy. If you are interested or just have questions you can call Rigo Chaparro at (435) 563-3236.