Insurance Information
2025-2026 Coverage Year
HOA Coverage Overview
Current insurance policies maintained by the Association
| Coverage Type | Limit |
|---|---|
| General Liability | $1,000,000 per occurrence |
| Umbrella Liability | $10,000,000 |
| Property (Building) | $22,460,000 (Guaranteed Replacement) |
| Directors & Officers | $1,000,000 |
| Fidelity Bond | $400,000 |
| Workers Compensation | $1,000,000 per accident |
Property Policy Details
Deductible
$15,000
Ordinance & Law Coverage B/C
$750,000 each
Sewer/Drain Backup
Included
Equipment Breakdown
Included
Important: Owner Insurance Responsibilities
The HOA's master policy does NOT cover everything. Individual unit owners are responsible for insuring the items below.
What Owners Must Insure
Items not covered by the HOA master policy
Interior Improvements
Any upgrades beyond original build-out
Personal Property
Furniture, electronics, belongings
Loss of Use
Alternative housing if unit is uninhabitable
Loss of Rental Income
If you rent your unit
Loss Assessments
Special assessments from HOA claims
Personal Liability
Consider umbrella policy extension
Filing a Claim
Contact information for claims and certificates
Certificate Requests
assncert@mtnwst.com
Must include full mortgagee clause. No blank certificates.
Broker: Mountain West Insurance & Financial Services, LLC