The monthly homeownersâ€™ association fee paid by a condo owner generally covers the insurance for the property plus additional coverage provided by the master insurance policy carried by the HOA board/management. You should have an additional policy to cover interior improvements, personal property and personal liability.
Owners generally do not buy flood insurance unless it is required by their lender. That is not common in Ardenwood.
Earthquake insurance, if not provided by the HOA, is not a requirement but is an option. After allâ€¦we do live in earthquake country.
The best person to talk to about insurance is, of course, an insurance agent or broker.... more
What ever the hazard happens to be, we would love to work with you to ensure that your insurance policy gives you coverage for every possible hazard your home may face. Earthquake, Flood, Wind, Hail, or anything else. We can quote it for free and then at least you know what you need and how much it will cost.... more
Flood Insurance for California inquires can be researched thru Floodsmart.gov website. This will determind if you are in a flood zone. As for way to reduce the rate or tweek it to make it more affordable we can help you with this.
Flood zones & Flood Insurance are zoned & priced by the Feds. We have some data that can help you do a self accessed flood zone determination to possiblly get you in a preferred flood zone rate.
If you would like some assistance please call us for a Free Flood Insurance Quote and further details. We also provide Homeowners Insurance for a great rate also.
Rancho SImi Insurance Agency, 1611 Los Angeles Avenue Simi Valley CA 93065... more