Homeowner Insurance Requirements

The Association keeps a policy on casualty/liability insurance on all Association property except limited common elements. 

All townhomes are required to keep multi-peril policies at 100% replacements costs. 

Your town-homes are "FEE-SIMPLE" which means that the owners are responsible for the entire unit,

with the exception of only the fire sprinkler system and termite bond which are maintained by the Association. 

Contact HMS for the current certificate of insurance for Bellsmith Regency. The master policy does not cover any portion of the homes – it only covers common elements of the association such as entryway monuments, fences, etc. Per the agent, owners will want to carry a homeowner’s policy (HO3) as personal insurance.

If any owners or their lenders require updates to the certificate, such as the inclusion of a loan number or mortgagee clause, please email your request to the insurance agency’s certificate department at associationcoi@bbrown.com. Please include the name of the association, your address, and your name.