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, Bettsi.ledesma@fsresidential.com
Here are some handouts that may be helpful: