UNITED LAGUNA WOODS<\/p>\n
MUTUAL<\/p>\n
ANNUAL INSURANCE DISCLOSURE AND POLICY SUMMARY – October 1, 2025<\/p>\n
PROPERTY INSURANCE (Renewed on 6-1-25)<\/p>\n
Blanket property insurance for fire and special form with Lloyd’s of London and various other insurance companies insures<\/p>\n
residential, common and community buildings and business property owned by the Mutual (no coverage for improvements,<\/p>\n
alterations, additions or other member or tenant property).<\/p>\n
Policy Limit: $225,000,000 per occurrence<\/p>\n
\uacf5\uc81c\uc561:<\/p>\n
$100,000 \ubc1c\uc0dd\ub2f9<\/p>\n
Key Exclusions: Earthquake, landslide, (and others)<\/p>\n
\uc0c1\uc5c5 \uc77c\ubc18 \ucc45\uc784 \ubcf4\ud5d8<\/p>\n
Housing Mutuals \ubc0f Golden Rain Foundation(GRF)\uc758 \uc0c1\uc5c5 \uc77c\ubc18 \ucc45\uc784 \ubcf4\ud5d8\uc740 \ud544\ub77c\ub378\ud53c\uc544\uc5d0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n
\ubcf4\ud5d8 \ud68c\uc0ac\ub294 \uacf5\uc6a9 \uacf5\uac04\uc758 \uc18c\uc720 \ubc0f \uc0ac\uc6a9\uc73c\ub85c \uc778\ud574 \ubc1c\uc0dd\ud558\ub294 \ucc45\uc784\uc5d0 \ub300\ud55c \ubcf4\ud5d8\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/p>\n
Policy Limits:<\/p>\n
$1,000,000 per occurrence<\/p>\n
\uacf5\uc81c\uc561:<\/p>\n
$25,000<\/p>\n
$2,000,000 \uc9d1\uacc4<\/p>\n
Great American\uacfc AXA XL Insurance Company\uc5d0\ub294 \uc6b0\uc0b0\ud615 \ucc45\uc784 \ubcf4\ud5d8\ub3c4 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n
Policy Limit:<\/p>\n
$25,000,000 per occurrence<\/p>\n
\uacf5\uc81c\uc561:<\/p>\n
\uc77c\ubc18 \ucc45\uc784 \ubcf4\ud5d8 \uc815\ucc45 \ucd08\uacfc<\/p>\n
\ubc94\uc8c4\/\ucda9\uc2e4 \ubcf4\ud5d8<\/p>\n
United Mutual & GRF have a crime\/fidelity policy with Beazley and Berkley Insurance.<\/p>\n
\uc815\ucc45 \ud55c\ub3c4:<\/p>\n
$20,000,000 Employee Theft, Computer & Fund Transfer Fraud<\/p>\n
Deductible: $25,000<\/p>\n
$5,000,000 Theft, Robbery & Depositor Forgery<\/p>\n
EARTHQUAKE INSURANCE<\/p>\n
United Laguna Woods Mutual has a Difference in Conditions insurance policy with Westchester Insurance Company for<\/p>\n
earthquake insurance on residential and common area buildings.<\/p>\n
\uc815\ucc45 \ud55c\ub3c4:<\/p>\n
$5,000,000<\/p>\n
Deductible for earthquake: 15% of the building value, $50,000 minimum<\/p>\n
GREF has a Difference In Conditions (DIC) insurance policy with QBE Specialty and Trisura Specialty Insurance Companies<\/p>\n
\ud074\ub7fd\ud558\uc6b0\uc2a4, \ub3c4\ub85c, \ucf00\uc774\ube14 \uc2dc\uc2a4\ud15c \ub4f1 GRF \uc2dc\uc124\uc5d0 \ub300\ud55c \uc9c0\uc9c4 \ubc0f \ud64d\uc218 \ud53c\ud574\ub97c \ud3ec\ud568\ud569\ub2c8\ub2e4.<\/p>\n
\uc815\ucc45 \ud55c\ub3c4:<\/p>\n
$15,000,000<\/p>\n
\uacf5\uc81c\uae08: \uc9c0\uc9c4 \ubc0f \ud64d\uc218\ub97c \uc81c\uc678\ud558\uace0 \ubc1c\uc0dd \uac74\ub2f9 $25,000<\/p>\n
Deductible for flood: $50,000<\/p>\n
\uc9c0\uc9c4 \uacf5\uc81c\uc561: \uac74\ubb3c \uac00\uce58\uc758 5%, \ucd5c\uc18c $50,000<\/p>\n
\ud611\ud68c \ubcf4\ud5d8 \uc815\ucc45 \uc694\uc57d\uc740 \uc139\uc158 10\uc5d0\uc11c \uc694\uad6c\ud558\ub294 \ud2b9\uc815 \uc815\ubcf4\ub9cc \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/p>\n
\ubbfc\ubc95 \uc81c5300\uc870\uc5d0 \uc758\uac70\ud558\uba70, \ubcf8 \uc57d\uad00\uc758 \uc804\uccb4 \ub0b4\uc6a9\uc744 \ub300\uccb4\ud558\ub294 \uac83\uc73c\ub85c \uac04\uc8fc\ub418\uc5b4\uc11c\ub294 \uc548 \ub429\ub2c8\ub2e4.<\/p>\n
\uc2e4\uc81c \ubcf4\ud5d8 \uc815\ucc45\uc5d0 \ud3ec\ud568\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n
\ud611\ud68c \ud68c\uc6d0\uc740 \uc694\uccad \ubc0f \uc81c\uacf5\uc5d0 \ub530\ub77c<\/p>\n
\ud569\ub9ac\uc801\uc778 \ud1b5\uc9c0, \ud611\ud68c\uc758 \ubcf4\ud5d8 \uc815\ucc45\uc744 \uac80\ud1a0\ud558\uace0 \uc694\uccad \uc2dc \ud569\ub9ac\uc801\uc778 \ube44\uc6a9\uc744 \uc9c0\ubd88\ud569\ub2c8\ub2e4.<\/p>\n
\ubcf5\uc0ac \ube44\uc6a9\uc744 \ubd80\ub2f4\ud558\uace0 \ud574\ub2f9 \ubcf4\ud5d8 \uc99d\uad8c \uc0ac\ubcf8\uc744 \ud655\ubcf4\ud558\uc2ed\uc2dc\uc624. \ud611\ud68c\ub294 \ubcf4\ud5d8 \uc99d\uad8c\uc744 \uc720\uc9c0\ud558\uc9c0\ub9cc<\/p>\n
\uc774 \uc694\uc57d\uc5d0 \uba85\uc2dc\ub41c \ubc14\uc640 \uac19\uc774 \ud611\ud68c\uc758 \ubcf4\ud5d8 \uc815\ucc45\uc740 \uac1c\uc778\uc744 \ud3ec\ud568\ud55c \uadc0\ud558\uc758 \uc7ac\uc0b0\uc744 \ubcf4\uc7a5\ud558\uc9c0 \uc54a\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n
\uadc0\ud558\uc758 \uac70\uc8fc\uc9c0 \ub610\ub294 \uc8fc\ubcc0 \uc9c0\uc5ed\uc758 \uc7ac\uc0b0 \ub610\ub294 \ubd80\ub3d9\uc0b0 \uac1c\uc120 \uc0ac\ud56d, \ub610\ub294 \ubc1c\uc0dd\ud558\ub294 \uac1c\uc778 \uc0c1\ud574 \ub610\ub294 \uae30\ud0c0 \uc190\uc2e4<\/p>\n
\uc8fc\uac70\uc9c0 \ub0b4\ubd80 \ub610\ub294 \uc8fc\ubcc0\uc5d0\uc11c \ubc1c\uc0dd\ud55c \uc190\uc2e4. \uc190\uc2e4\uc774 \ubcf4\uc0c1\ub418\ub354\ub77c\ub3c4 \uadc0\ud558\ub294 \ubaa8\ub4e0 \uc190\uc2e4 \ub610\ub294 \uc77c\ubd80\ub97c \uc9c0\ubd88\ud574\uc57c \ud560 \ucc45\uc784\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n
\uc801\uc6a9\ub418\ub294 \uacf5\uc81c\uc561\uc758 \uc77c\ubd80. \ud611\ud68c \ud68c\uc6d0\uc740 \uac1c\uc778 \ubcf4\ud5d8 \uc911\uac1c\uc778\uacfc \uc0c1\ub2f4\ud558\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n
\ub610\ub294 \uc801\uc808\ud55c \ucd94\uac00 \ubcf4\uc7a5\uc744 \uc704\ud574 \ub300\ub9ac\uc778\uc5d0\uac8c \ubb38\uc758\ud558\uc138\uc694.<\/p>\n
\ucd1d \ubcf4\ud5d8\uae08\uc561\uc740 \ubcf4\ud5d8 \uc911\uac1c\uc778\uacfc \ub17c\uc758\ud558\uc600\uace0, \uc774\uc0ac\ud68c\ub294 \uadf8\ub4e4\uc758 \uc9c0\uce68\uc744 \ub530\ub790\uc2b5\ub2c8\ub2e4.<\/p>\n
\ubcf4\ud5d8 \uc801\uc6a9 \uc99d\uba85\uc5d0 \uad00\ud55c \uc9c8\ubb38\uc774 \uc788\uc73c\uba74 \uc5d0\uc2a4\ud06c\ub85c \ud68c\uc0ac\ub098 \uc2e0\ud0c1\uc0ac\uc5d0 \ubb38\uc758\ud558\uc138\uc694.<\/p>\n
AJ \uac24\ub7ec\uac70 \ubcf4\ud5d8 \uc11c\ube44\uc2a4(\uc7ac\uc0b0, \ubc94\uc8c4 \ubc0f \uc9c0\uc9c4): \uc774\uba54\uc77c: Southwest.InterimCerts. GGBUS@ajg.com<\/p>\n
(\ubaa8\ub4e0 \uc778\uc99d\uc11c \uc694\uccad\uc740 \uc774\uba54\uc77c\uc744 \ud1b5\ud574 \ubcf4\ub0b4\uc57c \ud558\uba70 \uc804\ud654\ub85c\ub294 \ucc98\ub9ac\ud560 \uc218 \uc5c6\uc2b5\ub2c8\ub2e4. \ud45c\uc900 \ucc98\ub9ac \uc2dc\uac04\uc740 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4.<\/p>\n
\ubc1c\uae09\uc740 24\uc2dc\uac04 \uc774\ub0b4\uc5d0 \uc774\ub8e8\uc5b4\uc9c0\uba70 \uc81c\ubaa9\uc904\uc5d0 "Rush"\ub85c \ud45c\uc2dc\ub41c \uc694\uccad\uc740 \uc811\uc218 \uc2dc \ub2f9\uc77c \ucc98\ub9ac\ub429\ub2c8\ub2e4.<\/p>\n
by 12:00 p.m. PST. Requests should have \u201cUnited Laguna Woods Mutual\u201d in the subject line)<\/p>\n
If you have questions about the Mutual’s insurance policies, please call Risk Management 949-597-4202.<\/p>\n
\ub2e4\uc74c \ubcf4\ud5d8 \uc815\ubcf4\ub294 \uac1c\uc778 \ubcf4\ud5d8 \ub2f4\ub2f9\uc790\uc640 \uc0c1\uc758\ud558\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.
\nUNITED LAGUNA WOODS MUTUAL INSURANCE DISCLOSURE AND POLICY SUMMARY<\/p>\n
THE INSURANCE CARRIED BY UNITED MUTUAL AND GRF DOES NOT COVER YOUR PERSONAL<\/p>\n
LIABILITY OR ITEMS THAT ARE YOUR PERSONAL RESPONSIBILITY such as additions and<\/p>\n
alterations, personal property, or loss of use. MEMBERS SHOULD PURCHASE \u201cCONDOMINIUM<\/p>\n
OWNERS\u201d (HO-6) INSURANCE POLICY to protect against unexpected expense in the event a loss<\/p>\n
occurs. This is also a requirement for many lenders.<\/p>\n
Please remind tenants\/lessees that they<\/p>\n
should purchase \u201crenters\u201d insurance for their personal liability, personal property, and loss of use.<\/p>\n
\uac1c\uc778 \ubcf4\ud5d8\uc744 \uac80\ud1a0\ud560 \ub54c \uace0\ub824\ud574\uc57c \ud560 \uba87 \uac00\uc9c0* \uc0ac\ud56d:<\/p>\n
*<\/p>\n
Members are responsible for damage to improvements, alterations and additions (custom built-<\/p>\n
ins, wall or window coverings, wood or other upgraded floor coverings, heat pumps, air conditioners,<\/p>\n
patio or balcony enclosures, etc.) whether they were installed by you or previous members or residents.<\/p>\n
These should be insured as unit owners building items. Repair of damage to such items, or other<\/p>\n
member or tenant property, including personal property, from a loss, such as a plumbing failure<\/p>\n
in your manor or an adjacent manor, is the responsibility of the member or tenant. The Mutual’s<\/p>\n
property insurer does not accept claims for damage to such items.<\/p>\n
Members are responsible for damage to Mutual property caused by the Members\u2019 misuse or neglect,<\/p>\n
by additions or alterations, or by guests or lessees. If the damage is your responsibility, United Mutual<\/p>\n
can charge you for the repairs (Occupancy Agreement-Article 5 & 11). If the repair costs exceed the<\/p>\n
deductible on the Mutual’s insurance, currently $100,000, a claim will be submitted to the Mutual’s<\/p>\n
property insurer. In such cases, both the Mutual and its property insurer reserve the right to charge the<\/p>\n
Member to recover the costs, including the Mutual’s deductible. Your own insurance may help cover<\/p>\n
your obligations, although some homeowner’s insurance companies will not cover the Mutual’s<\/p>\n
deductible. Consult with your agent about your insurer’s practices and increasing your policy limits<\/p>\n
accordingly.<\/p>\n
Personal Property\/Contents insurance for items such as appliances, furniture, clothing, household<\/p>\n
goods and for special property like jewelry, coins, artwork, antiques, furs, silver and collectibles.<\/p>\n
Personal Liability insurance for your actions and responsibilities both inside and outside your manor.<\/p>\n
Everyone should have liability insurance to protect their equity and retirement savings.<\/p>\n
Loss of Use or Additional Living Expense insurance if your manor\/building is damaged and cannot<\/p>\n
be lived in until repaired, in accordance with the Davis-Stirling Act Civil Code \u00a74775(c) members,<\/p>\n
residents and lessees are responsible for paying to live elsewhere while work is done.<\/p>\n
Monthly<\/p>\n
assessments must still be paid during this time.<\/p>\n
Loss Assessment insurance to protect against a special assessment from your Mutual for damage.<\/p>\n
While there has not yet been this type of assessment in Laguna Woods Village, we are required to tell<\/p>\n
you that there is this possibility. (Show your agent\/broker the limits listed in this disclosure.)<\/p>\n
Earthquake and\/or Flood insurance for additions, alterations, personal property and loss of use.<\/p>\n
Earthquake Loss Assessment insurance to protect against a special assessment from the Mutual for<\/p>\n
damage caused by an earthquake.<\/p>\n
*<\/p>\n
Automobile insurance on your car, truck, van, motorcycle or motor home.<\/p>\n
*<\/p>\n
\uace8\ud504 \uce74\ud2b8\uc5d0 \ub300\ud55c \ucc45\uc784 \ubc0f \ubb3c\ub9ac\uc801 \uc190\uc0c1 \ubcf4\ud5d8.<\/p>\n
\uac74\ubb3c \uc190\uc0c1\uc740 \ub2e4\uc74c \uc8fc\uc18c\ub85c \uc2e0\uace0\ud574 \uc8fc\uc138\uc694.<\/p>\n
\uc8fc\ubbfc \uc11c\ube44\uc2a4(\uc6d4\uc694\uc77c~\uae08\uc694\uc77c, \uc624\uc804 8\uc2dc~\uc624\ud6c4 5\uc2dc)<\/p>\n
\uc804\ud654: (949) 597-4600<\/p>\n
\uc8fc\ubbfc \uc11c\ube44\uc2a4 \uc774\uba54\uc77c \uc8fc\uc18c:<\/p>\n
residentservices@vmsinc.org<\/p>\n
\uc601\uc5c5\uc2dc\uac04 \uc774\ud6c4\uc5d0 \ubc1c\uc0dd\ud558\uac70\ub098 \uac1c\uc778 \ubd80\uc0c1\uc744 \uc2e0\uace0\ud558\ub824\uba74 \ub2e4\uc74c \ubc88\ud638\ub85c \uc804\ud654\ud558\uc138\uc694.<\/p>\n
\ubcf4\uc548 \ud30c\uacac: \uc804\ud654: (949) 580-1400<\/p>\n
\uae34\uae09 \uc0c1\ud669 \uc2dc: 911\uc5d0 \uc804\ud654\ud558\uc138\uc694<\/p>\n
* The above list is not exhaustive. Please discuss insurance questions with your agent or broker
\nUNITED LAGUNA WOODS MUTUAL INSURANCE DISCLOSURE AND POLICY SUMMARY<\/p>\n
PROPERTY INSURANCE \u2014 Continued<\/p>\n
Primary $10,000,000<\/p>\n
Sutton Specialty Ins Co., \ud55c\ub3c4: $2,000,000<\/p>\n
Primary $50,000,000<\/p>\n
National Fire & Marine Ins. Co., Limit: $3,850,000<\/p>\n
\uc544\uc774\uc5b8\uc1fc\uc5b4 \uc2a4\ud398\uc15c\ud2f0, \ud55c\ub3c4: $2,500,000<\/p>\n
Westchester Surplus Lines Ins. Co., Limit: $2,500,000<\/p>\n
Allied World National Assurance, Limit: $3,000,000<\/p>\n
Lexington Ins. Co., Limit: $5,000,000<\/p>\n
Canopius US Insurance, Limit: $5,000,000<\/p>\n
Everest Indemnity Ins. Co., Limit: $5,000,000<\/p>\n
Lloyd’s of London, Limit: $13,625,000<\/p>\n
$40,000,000 Excess of $10,000,000<\/p>\n
Aspen Specialty Ins. Co., \ud55c\ub3c4: $2,500,000<\/p>\n
Evanston Ins. Co., Limit: $4,375,000<\/p>\n
$50,000,000 $50,000,000 \ucd08\uacfc<\/p>\n
\uc778\ub4c0\uc5b4\ub7f0\uc2a4 \uc544\uba54\ub9ac\uce78 \uc2a4\ud398\uc15c\ud2f0, \ud55c\ub3c4: $2,500,000<\/p>\n
Arch Specialty Ins. Co., Limit: $5,000,000<\/p>\n
\uc2a4\ud0c0\uc2a4\ud1a4 \ud2b9\uc218\ubcf4\ud5d8, \ud55c\ub3c4: $5,000,000<\/p>\n
\ud0a8\uc138\uc77c \ubcf4\ud5d8 \ud68c\uc0ac, \ud55c\ub3c4: $5,000,000<\/p>\n
Steadfast Ins. Co., Limit: $5,000,000<\/p>\n
\ud504\ub9b0\uc2a4\ud134 \ucd08\uacfc \ubc0f \uc789\uc5ec \ud55c\ub3c4, \ud55c\ub3c4: $10,000,000<\/p>\n
Starr Surplus Lines Ins. Co., \ud55c\ub3c4: $10,000,000<\/p>\n
Lloyd’s of London, Limit: $10,000,000<\/p>\n
$25,000,000 $100,000,000 \ucd08\uacfc<\/p>\n
\ub79c\ub4dc\ub9c8\ud06c \uc544\uba54\ub9ac\uce78 \ubcf4\ud5d8 \ud68c\uc0ac, \ud55c\ub3c4: $2,500,000<\/p>\n
\ud0a8\uc138\uc77c \ubcf4\ud5d8 \ud68c\uc0ac, \ud55c\ub3c4: $2,500,000<\/p>\n
\uc5d0\ubc88\uc2a4\ud134 \ubcf4\ud5d8 \ud68c\uc0ac, \ud55c\ub3c4: $2,500,000<\/p>\n
Crum & Forster Specialty Ins. Co., Limit: $5,000,000<\/p>\n
Starr Surplus Lines Ins. Co., \ud55c\ub3c4: $5,000,000<\/p>\n
Nautilus Ins. Co., Limit: $6,250,000<\/p>\n
$100,000,000 $125,000,000 \ucd08\uacfc<\/p>\n
Axis Surplus Ins. Co., \ud55c\ub3c4: $5,000,000<\/p>\n
Ironshore, Limit: $5,000,000<\/p>\n
\ub7f0\ub358 \ub85c\uc774\ub4dc, \ud55c\ub3c4: $5,500,000<\/p>\n
Lloyd’s of London, Limit: $13,900,000<\/p>\n
\ub79c\ub4dc\ub9c8\ud06c \uc544\uba54\ub9ac\uce78, \ud55c\ub3c4: $22,500,000<\/p>\n
\ud504\ub9b0\uc2a4\ud134 \ucd08\uacfc \ubc0f \uc789\uc5ec \ub77c\uc778, \ud55c\ub3c4: $35,000,000<\/p>\n
Starr Surplus Lines Ins. Co., Limit: $12,500,000<\/p>","protected":false},"author":2,"featured_media":0,"template":"","document_category":[1071],"document_type":[53],"class_list":["post-48778","document","type-document","status-publish","hentry","document_category-sales-united","document_type-other"],"acf":{"document":76840,"resolutions":null,"legacy_id":"2401","pdf_extracted_text":""},"yoast_head":"\n