The AOAO carries insurance to protect the property, AOAO, BOD, & Employees through John H. Connors Insurance, working with our agent Thomas (Bill) Pigott, CIC.   You can view a copy of the Associations current Insurance here  Kihei Shores 2011-2012 Insurance

While our comprehensive policy covers many aspects of our operations, it will not cover damages to condo interiors beyond original construction elements.  We strongly urge all Owners to obtain their own home owner's policy, referred to as an HO6 policy, to cover your investment.  This policy can be  through your own insurance company or another including John H. Conners Insurance.  Policies are relatively inexpensive and can protect your investment and your wallet against unforeseen damages.

***NEW*** Check out the H2O / HO6 page for more information on Home Owner Insurance and the important role it plays in protecting your investment!

It is a good practice to require your renters to carry a Renter's Insurance Policy while living in your unit.  This not only can protect you as an owner if they damage the unit through their actions, but it will cover the renter should damages occur during their tenancy that are beyond the AOAO and your HO6 policy coverages.  For example, if there were water damage to the unit and the renter's belongings, forcing them to temporarily vacate the unit while repairs were made, AOAO and typical owner policies would not cover their personal property, nor the cost for them to stay elsewhere.  Renters insurance policies may also cover their vehicles for theft and/or damage while parked on rental property, without affecting their auto insurance rate.  Their renter's insurance policy could.  Typically a renter's insurance policy is quite affordable, often under $15 per month, and may be discounted when bundled with their auto or other insurance policies.