Statement of Insurance Coverage for Windsong Cottages Association:

Not all town home associations provide for property insurance on individual units; in those cases each owner arranges and pays for such coverage separately.  Windsong Association arranges for property coverage and includes the premium in our Association budget. 

See Downloadable Documents, Insurance Summaries for Details. As detailed in the Coverages Memo, owners are responsible for insuring personal property and liability. 

Our insurer is Westfield Insurance Company.  Our agent is Bullis Insurance Agency, Wayzata, Minnesota.  Commercial property coverage consists of all buildings to an aggregate value of $10,186,000. A copy of the Insurance Policy is available from Downloadable Documents.

Other Association insurance coverages include coverage for our propane tank, lift station, underground pipes, electrical service, trash building and pool building; commercial general liability of $1 million per occurrence with $2 million aggregate limit; commercial umbrella ("excess" liability) of $1 million additional liability coverage per occurrence; commercial crime coverage and employee dishonesty, directors' and officers' liability insurance and workers' compensation.