www.e360insurance.com
HOA master insurance policy How to request your HOA master insurance policy in California
Introduction If you own a condo or live in a home subject to a homeowners association (HOA), your community probably has a master insurance policy. It’s a policy that covers the structure and common areas of the community and is a significant factor in the type of personal insurance (such as condo or HO-6 insurance) that you may need.
Why You Might Need a Copy of the Master HOA Insurance Policy
California Laws on HOA Insurance Document Access In California, the Davis-Stirling Common Interest Development Act (Civil Code Sections 4000– 6150) governs the rights of homeowners within HOAs. According to this law: Homeowners have a legal right to request and inspect association documents, including the master insurance policy. Specifically, Civil Code §5300(b)(9) requires HOAs to include a summary of the association’s insurance policies annually
How to Request a Copy of the HOA Master Insurance Policy
1. Start by Reviewing the HOA Annual Disclosure HOAs in California are required to provide homeowners with an Annual Budget Report, which includes an insurance summary. Check your latest annual mailing or email from the HOA. It may already include the policy information you need.
www.e360insurance.com
2. Submit a Written Request to the HOA If the summary is not sufficient, send a written request (email or letter) to your HOA board or property management company. Include: Your full name and unit address A clear request for a copy of the current master insurance policy The reason (optional but recommended) A request for the document to be emailed or mailed to you
A Note from e360 Insurance Services If you’re uncertain how to interpret your HOA’s master insurance policy, or if you require assistance acquiring personal coverage to fill the gaps, contact e360 Insurance Services for expert, unbiased direction, uniquely designed for California homeowners. Our experts will help you understand your package so you’re not wondering when you’re already under pressure. Let’s connect.
Thank you 🌐 Website: https://www.e360insurance.com/ 📞 Phone: (888) 862-6750 📧 Email:
[email protected] 📍 Address: 16000 Ventura Blvd, Suite 400, Encino, CA 91436
