It is very important all homeowners protect themselves with adequate insurance. It is essential to purchase an HO-6 policy from your personal agent. An HO-6 policy is designed to cover your personal possessions, inside fixtures (dishwasher, refrigerator, etc.), and your personal liability. The master policy for the Association covers one hundred percent of each structure, per the governing documents. The master policy’s property deductible is $5,000 per occurrence for all covered losses. Confirm with your insurance agent that your HO-6 coverage will cover the Association deductible. If you rent your condo unit as a lessor you should purchase a Dwelling Fire policy to cover Real Property. If you require a claim for your unit, immediately alert our HOA insurance representative, our property management company and a member of the Board of Directors. If the damage involved the inside of your unit, be sure to contact your personal agent as well. Feel free to have your personal agent contact the HOA insurance representative and property manager directly with any questions they may have on the Association’s insurance.  Questions?  Please e-mail, tony@berkeleychapelhill.com.