Green PinesProvo · Utah
Insurance

Insurance & your HO-6 policy

What the Association’s policies cover, and why your own policy matters.

What the Association carries

Master property policy

Covers the buildings and common areas. Written through Benchmark, with SentryWest as the Association’s agent.

Deductible: $50,000 per covered loss.

Directors & Officers (D&O)

Protects the volunteer Management Committee for its decisions. Carrier: StarNet.

Crime / fidelity

Protects Association funds against theft or fraud. Carrier: Travelers.

Policy numbers, limits and invoices are kept by the Committee and are not posted publicly. Owners may request a certificate of insurance, for example for a lender.

Your own policy: HO-6

Owners have been asked, in 2023 and again in August 2026, to carry their own HO-6 (condominium unit-owner) policy. The master policy is not a substitute for your own coverage.

Questions to ask your insurance agent Best practice

  • Does my HO-6 include loss assessment coverage, and how much? (Tell your agent the master deductible is $50,000.)
  • How does my policy cover interior finishes, cabinets, flooring and improvements I’ve made?
  • Do I have personal liability coverage and coverage for my belongings?
  • Does it cover water damage that starts in my unit and affects a neighbor?
  • If I rent my unit out, do I need a landlord or rental endorsement?

How costs are shared after a loss depends on the Declaration and Utah law for the specific facts. This page is general information, not legal or insurance advice.

If something happens

  1. Make it safe: call 911 if anyone is in danger; shut off water at the source.
  2. Take photos and notes of the damage.
  3. Tell the Committee right away: report it here.
  4. Call your own insurance agent about your HO-6 policy.