Outdoor Resorts/Palm Springs Owners Association - Insurance Disclosure Summary
Policy Terms: 7/1/2025 – 7/1/2026
This summary of the association's policies of insurance provides only certain information, as required by Section 5300 of the Civil Code, and should not be considered a substitute for the complete policy terms and conditions contained in the actual policies of insurance. Any association member may, upon request and provision of reasonable notice, review the association's insurance policies and, upon request and payment of reasonable duplication charges, obtain copies of those policies. Although the association maintains the policies of insurance specified in this summary, the association's policies of insurance may not cover your property, including personal property or real property improvements to or around your dwelling, or personal injuries or other losses that occur within or around your dwelling. Even if a loss is covered, you may nevertheless be responsible for paying all or a portion of any deductible that applies. Association members should consult with their individual insurance agent for appropriate additional coverage.
LINE OF COVERAGE
NAME OF INSURER
POLICY NUMBER
LIMITS OF LIABILITY
DEDUCTIBLE
Total Insurable Value (Building) Total Insurable Value (Personal Property) Property in the Open Business Income
$8,259,665 $818,800 $250,000 $199,998
Property
Northfield Insurance Company
WH017879
$10,000
Travelers Property Casualty Company of America StarStone Specialty Insurance Company Atain Specialty Insurance Company
Scheduled Items Blanket Items
$287,493 $50,000
Mobile Equipment
QT6606Y547127TIL25
$1,000
Earthquake
DSP2506365
Aggregate Limit
$10,974,442
10% per Unit
General Aggregate Per Occurrence Assault & Battery
$2,000,000 $1,000,000 $300,000
General Liability
Kinsale Insurance Company
01003251061
$10,000
California Automobile Insurance Company
$500 Comprehensive $500 Collision
Automobile Liability (9/18/2025 – 9/18/2026)
BA040000075130
Liability
$1,000,000
Each Occurrence Aggregate
$5,000,000 $5,000,000 $1,000,000 $1,000,000 $300,000
Excess Liability
Century Surety Company
CCP1324358
None
Each Common Cause Aggregate Assault & Battery
Swiss Re Corporate Solutions Capacity Insurance Corporation
Liquor Liability
88G280000300
$5,000 per claim
Management Liability
Everest National Insurance Company VN00002106251
D&O & Employment Practices Aggregate
$2,000,000
$5,000
Disclaimer: Please be aware that the coverage described in this letter only applies to association policies insured through Brown & Brown. This master insurance review letter is based on the information provided to the Agency by you and contains a general description of the coverage(s), but it does not constitute a policy or contract. For complete policy information, including exclusions, limitations, and conditions, please refer to your policy. In the event of a difference, the policy will prevail.
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