HOA Master Insurance Policy:
Hopefully, you will never suffer a sudden loss, but if you do, you need to know what Nepenthe Insurance Policies will cover. The association’s master policy will pay for- reconstruction up to the installation of dry wall. Everything else- the fixtures and contents will be covered under your insurance. Also, it’s important to know that the insurance deductible is your responsibility. Currently, this deductible is $100,000.
| Nepenthe Insurance | Homeowner Insurance (Commonly known as an “HO-6) |
| Building Structure | Wall texture |
| Plumbing | Cabinetry |
| Electrical wiring | Appliances |
| Doors and windows | Plumbing Fixtures |
| Drywall and taping | Flooring |
| Wall insulation | Lighting Fixtures |
| Personal Belongings |
Helpful Documents for the Master Insurance Policy:
HOA Flood Insurance Policy:
The flood policy is different and covers up to $100,000 worth of personal belongings. Please reach out to the Association to obtain a copy of your individual flood policy if you have not received it.
Helpful Documents for Flood Insurance:
- Flood Insurance – What’s Covered Infographic
- NFIP – Summary of Residential Coverage
- NFIP – Primary Residence Verification Form
- NFIP Dwelling Form – Standard Flood Insurance Policy
City of Sacramento Flood Information: https://www.cityofsacramento.gov/utilities/flood-preparedness
Insurance Town Hall Recording Regarding the Increase Deductible for 2024-2025: