Insurance: What You Need to Know

Hopefully, you will never suffer a sudden loss, but if you do, you need to know what Nepenthe Insurance Policies will cover. The photo above is what the association’s master policy will pay for- reconstruction up to this point. 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 $25,000. Usually the homeowner’s insurance policy covers this cost.

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

The flood policy is different and covers up to $100,000 worth of personal belongings.

Questions? Contact management:

General Manager:  Bettsi Ledesma, CMCA, AMS, 916.929.8380,

Here are some handouts that may be helpful: