Community Association Insurance for Lot Owners’ Homes

Community association insurance for lot owners’ homes protects individual homes that are part of a community association scheme from accidental loss or damage and also offers cover for legal liability and machinery breakdown.

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Your Community Association Insurance for Lot Owners' Homes quote includes cover for:

• Temporary accommodation or rent: Cost of temporary accommodation covered if your home is unfit to be occupied as intended due to a catastrophe, loss or damage to your home
• Temporary protection and safety: We will pay the reasonable cost of temporary protection and safety of your home and resident persons due to loss or damage to your home
• Catastrophe insurance: Insurance against the escalation in the cost of replacement of your home if it is destroyed or declared a constructive total loss due to a catastrophe
• Keys and lock replacement: Up to $5,000 for the reasonable costs incurred in re-keying / re-coding locks and replacing keys if they are stolen due to forcible entry
• Removal and storage: Cost of removing, storing, return or insuring any undamaged portion of your home to the nearest place of safe keeping
• Liability to others: Protection if you become legally responsible to pay compensation for personal injury or property damage in connection with the ownership of your home
• Professional fees and removal of debris: We cover the cost of architects, surveyors and other professional fees as well as removal of debris arising from accidental loss or damage to your home
• Electric motors: Cost of repairing or replacing an electric motor which has been burnt out by electric current

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