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The Chalet Association 

Owners Insurance

Your Source for Information & Access

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What is Covered by Master Insurance

Your Dwelling Coverage

The physical structure to the bare drywall of the interior of the unit.

Common Areas and Property

Provides coverage for the common owned areas and personal property of The Chalet Association on a commercial basis.

General Liability

Provides liability to The Chalet Association on a commercial basis. This does not cover your individual liability,

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What do I need to Cover?

As an owner at The Chalet your personal insurance should cover 4 main components:

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Interior Build Out and 
Personal Property

Provides coverage for the interior buildout of the unit from the drywall in. Coverage should also be purchased for personal property. Furniture, Furnishings, and other moveable or affixed personal property.

These coverages should be customized to cover items at current new replacement cost.

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 Chalet.

The Chalet Association 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.

Provides replacement housing and ancillary expenses and can provide for loss of income if the home was to be rented.

Master Policy Deductible Response

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 Chalet , 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. 

AIG  / Resort Guard 

The Master Policy is provided by The Resort Guard Program through AIG Insurance Company. AIG is a global financial services firm offering a range of property casualty and life/health insurance products to both retail and corporate clients.  AIG is rated A+ by A.M. Best,  AA by S&P and A1 by Moody’s. 

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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, Taylour Wilson , as soon as possible at 406-580-6216.  

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Get In Touch

Jeff Kaplan- East Coast


Nelson Latimer- West Coast


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