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The Chalet Association
Owners Insurance
Your Source for Information & Access
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,
What do I need to Cover?
As an owner at The Chalet your personal insurance should cover 4 main components:
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.
Get In Touch
Jeff Kaplan- East Coast
781-961-0305
Nelson Latimer- West Coast
843-478-8734
