Point O'Woods Association Homeowners Insurance Program
The Point O'Woods Homeowners Insurance program includes:
- “ all risk ” coverage for home and personal property
- Option for Excess Flood coverage to protect the full replacement value of your home
- Partnership with a home appraisal service to establish your home's replacement value.
The program protects homes from being damaged by the perils associated with coastal living –
floods, windstorm, fires, vandalism, etc.
Provided by Underwriters at Lloyd's London most experienced high value homeowners market.
Dwelling & Contents
Excess Flood (excess of the Federal Flood Program), replacement or “actual cash value”
$2,500 for all property losses except Wind/Hail (hurricane) loss. There is a separate Wind/Hail Deductible
of 3% of the Dwelling value. Higher deductibles are available.
What is insured
Reminder: Do not under-insure! Determine your home's replacement cost using current labor and material costs!
Reminder: Certain types of personal property such as jewelry, silverware, and fine art have special limits of
liability as to how much will be covered. These kinds of property can be fully covered if you tell us about them.
In event of a covered loss, the cost to rent another home for the season or the loss of rental income can be
Generally, personal liability is provided by the policy which covers your principal residence. However, it is
available as an option.
This program is offered exclusively from John Buttine Inc. For more information, please contact Jack Buttine at:
Jack M. Buttine
John Buttine Inc.
33 East 33rd Street, 5th Floor
New York, NY 10016
Tel: 800.964.4454, ext 21