Winterhaven Unit Owners' Association Master Policy Information:Agent: Jonathan Kyle Mountaineer Insurance Services, Inc. P.O. Box 242 Daily, WV 26259 (304) 338-2902 www.mountaineerins.comjonathan@mountaineerins.com Master Policy:
Master Policy Deductible
Individual Owner Insurance Policies- The Executive Board strongly encourages all Owners to purchase an
individual owner's policy, known as an HO-6 policy, to provide contents coverage and liability
protection for the owner or the owner's guests/lessees.This is especially important if a unit is being rented out.
- The policy should provide at least $5,000 of Loss Assessment coverage.
- It is recommended that
owners purchase a policy from the same company that writes the master
policy. When dealing with common property and unit property, claims
involving two insurance companies can be messy and different
insurance companies may define their responsibilities differently. In
the event of a loss, having one insurer will make the claim process
simpler and will ensure that all property is covered. In addition,
the agent that represents the Association will be aware of the
particular coverages an owner should have when purchasing a policy.
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