Insurance Summary (under develop)

The Shipwatch Master Deed governs the types and amounts of insurance the HOA must have for the properties. The policies we have are based on periodic Insurance Appraisals that are then used by our agent (NFP) to shop and price policies. Owners are billed for Insurance annually (due January 1) and the policy reflects a term of 2/1/YY to 1/31/YY.

Owners should also have an HO6 policy for their individual unit that should have limits to reflect your individual "walls in" upgrades and contents.