Master Policy/Homeowners Coverage


Our Yacht Club Knolls master condominium policy insures:

  • Only the interest of the Association
  • The buildings and items as originally conveyed by the developer
  • Standard grade built-in appliances and cabinets
  • Walls, ceiling and flooring that make up the interior of the dwelling
  • Electrical wiring and plumbing fixtures
All building items are covered as originally built.
Owner alterations or upgrades are normally not covered.

Subject to our deductible the building is covered for perils like fire, lightning, windstorm, hurricane, vehicle damage, water overflow, smoke damage etc.
Flood damage is not covered.

A Homeowners Policy can insure:

  • Your personal contents or household goods
  • Improvements/upgrades to the dwelling made by you or a former owner
  • The cost to live elsewhere while your unit is being repaired
  • Loss Assessment
  • Personal Liability
An individual homeowners policy is necessary to fully protect you and your unit. Do not rely on just the master policy. If you have fire or hurricane damage, the master policy will take care of items as originally built. You need a homeowner's policy to cover your interests and expenses to live elsewhere while we rebuild your unit. Call your agent today and discuss your insurance needs.

If you have a claim please report all matters to the property manager and/or general manager. An incident report will be made and forward to the insurance company.

If you receive a letter from your mortgage company please fax the letter directly to Insurance Associates at (808) 531-8361 and the requested information will be sent to your mortgage company.

Rental Considerations

If you were to rent your unit to others, you still need to insure any improvements to your unit, any contents you furnish, your rental income and your personal liability. You should also advise your tenants that they will need to insure against damage to their possessions as neither your policy nor the Association's policy will provide coverage.


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