The Association hazard insurance policy is with Farmers Insurance

Any questions on policy coverage can be directed to

Lowell E. Williams Farmers Insurance Group

14435 N 7^th Street #101 Phoenix, AZ 85022

Phone (602) 588-2300 Fax (602) 588-0800

Lwilliams2@farmersagent.com

The Association insurance covers the common elements and those parts of the buildings for which it is responsible. Each individual should obtain a homeowners policy to cover casualty, theft and property damage within the surrounds of his/her own cubic space. The master insurance hazard policy provides coverage under a bare walls form, which is what our CC&R’s call for. This means, in the event of loss or damage to your building, the association's policy will not pay to repair or replace items that are a part of a unit’s interior property. These items include but are not limited to: appliances, cabinetry, fixtures, floor covering, wall covering, ceiling fixtures, personal possessions and damage from water. Furthermore, these items excluded in the bare walls coverage form of the master policy, can and should be added to your personal condominium insurance policy under additions and alterations. A Personal Condominium Insurance Policy is needed not only for your own property but also to protect you from damage you may cause to an adjoining condo, (one example maybe a water leak in your home that seeps into an adjoining condo. Please contact your agent or contact our Insurance agent for details and cost:

Please Notify your Personal Condominium Insurance Agent to add 747 East Bethany Home Road Association as a “person of interest” or “additional insured”. They will then have to notify our Association when you obtain or cancel your personal insurance policy.