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The Settlement
Owners Insurance
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Your Source for Information & Access
What is Covered by Master Insurance
Your Dwelling Coverage
The physical structure permanently attached fixtures and additions and alterations to the interior of the unit
Common Areas and Property
Provides coverage for the common owned areas and personal property of The Settlement on a commercial basis.
General Liability
Provides liability to The Settlement on a commercial basis. This does not cover your individual lialibity,
What do I need to Cover?
As an owner at The Settlement your personal insurance should cover 4 main components:
Your Personal Property
Provides coverage for your personal property. Furniture, Furnishings, and other moveable or affixed personal property.
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The limit should be customized to cover items at current new replacement cost.
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Items of high or unusual value such as fine arts should be considered.
Your Personal Liability
Provides legal defense and financial backing for potential incidents and accidents associated with your ownership at The Settlement.
The Settlement does not provide coverage for your personal liability.
Loss of Use/ Rental Income
Provides coverage for additional expenses in the event that you cannot use your home due to a covered loss.
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Provides replacement housing and ancillary expenses and can provide for loss of income if the home was to be rented.
Master Policy Deductible Response
As an owner at The Settlement the master policy deductible (100k) is the responsibility of the unit owner(s) suffering the property loss.
A properly structured personal insurance policy can provide coverage for your master policy deductible.
About Us
Protect, Educate, Serve
Risk Strategies
Founded in 1997, Risk Strategies is one of the largest privately held brokers in the United States. Combining the reach and resources of a nationally recognized firm, we offer a specialized approach to protecting what matters most and have the ability to provide advice and coverage for both commercial and personal exposures.
As the commercial insurance agent for The Settlement, we have an in-depth knowledge of your residence. We understand what the Master policy provides, the potential risks to unit owners and are happy to tailor your personal insurance program to ensure proper coverage.
Allianz / Fireman’s Fund
The Master Policy is provided by The Fireman’s Fund Insurance Company, which is a subsidiary of Allianz. Allianz is a global financial services firm offering a range of property casualty and life/health insurance products to both retail and corporate clients, largely in the US and Europe. Allianz is rated A+ by A.M. Best, AA by S&P and A1 by Moody’s.
Event of Loss
Losses that are largely limited to personal property, should be addressed with a condo owners’ personal insurer.
In the event damage is sustained by property covered by the master policy, please inform the COA manager, Adam Shaw, as soon as possible at 406-220-3388 or adam.shaw@yellowstoneclub.com.
Get In Touch
Jeff Kaplan- East Coast
781-961-0305
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Nelson Latimer- West Coast
843-478-8734
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