Home Insurance FAQ
Q. Why have I been asked to provide proof of adequate Home Insurance?
A. A purchaser of a home in the Hunt Club automatically assumes the rights and obligations of Membership in
the Association upon closing title to his/her home. This is an obligation of each Member. Furthermore, the Board
of Directors are responsible to preserve and protect the community. This is an essential policy to do such.
Q. What is “adequate” Home Insurance?
A. The Hunt Club is a community of attached, semi attached and free standing homes. Each homeowner is
obligated to insure their entire home. This includes the both the entire interior and exterior. Each home insurance
policy must be an HO-3 policy. No other coverage will be accepted.
Q. I want to have adequate Home Insurance, how do I know if I do?
A. Each Home Insurance policy comes with a Declaration page. This information can be found on that page. You
can also contact your insurance carrier or Brian McCabe, Managing Agent, for any additional questions.
Q. I submitted a copy of my Home Insurance policy last year, why do I need to submit it again?
A. Home Insurance policies are renewed annually. Furthermore, Members occasionally change insurance
carriers. Lastly, new Members move into the community each year. Requesting the current policy each year
ensures that the most current Home Insurance policy is on file.
Q. What are the acceptable delivery methods to provide proof of adequate Home Insurance?
A. You may deliver a copy to one (1) of the attendants at the Clubhouse or mail/e-mail a copy to Brian McCabe,
Managing Agent. You can also call your insurance carrier to inquire if they will automatically mail/e-mail a copy
to Mr. McCabe. It is solely the responsibility of each homeowner to ensure delivery of proof of adequate Home
Insurance by the deadline.
Q. Why have I been asked to name the Association as additional insured?
A. This is an obligation for each Member that is included in the Offering Plan. The purpose is to ensure that any
proceeds disbursed by the insurance carrier to repair or restore any unit and/or lot is used for its intended
purpose and to ensure it is completed in a timely manner.
Q. Is it acceptable to submit a policy with an expiration date before the deadline?
A. No. The policy must have an expiration date on or after the submission deadline.
Q. What if I do not provide proof of adequate Home Insurance by the deadline?
A. You will receive a letter to notify you of such and that your account has been assessed $200. Furthermore,
the Board of Directors reserves the right to purchase the Home Insurance and charge your account the cost to
do so.
Q. I own my home outright and no longer have a mortgage. Do I have the same obligations?
A. Yes.