HOA Master Policy
The Leisure Village Association maintains a master insurance policy that covers the exterior of all homes and all common areas throughout the community. This includes:
- Exterior walls, roof, and structural components of each home
- Common area buildings and facilities
- Community amenities — pool, golf course, fitness center, and more
- Common area liability coverage
- Directors & Officers liability for the Board
Note: The master policy does not cover the interior of individual homes, personal belongings, or personal liability within your unit.
Your HO6 Policy
Each homeowner is responsible for obtaining their own HO6 homeowner's insurance policy to cover what the master policy does not. An HO6 policy typically covers:
- Interior walls, flooring, cabinets, and fixtures
- Personal belongings and furniture
- Personal liability within your home
- Loss of use / additional living expenses
- Improvements and upgrades you've made to the unit
Recommended: Contact your insurance agent to ensure your HO6 policy properly coordinates with the LVA master policy and provides adequate coverage for your specific home.
Questions About Insurance?
For questions about the HOA master policy, certificate of insurance requests, or insurance-related matters, contact the Association Office at (805) 484-2861 and select option 2, or email office@leisurevillage.org. The Insurance Committee is also available to assist residents with insurance-related questions.