PRODUCT OVERVIEW

The Motus Earthquake Insurance Program was designed to meet the needs of Condominium Owners

MOTUS IS A NEW ALTERNATIVE

SPECIFICALLY DESIGNED TO MEET THE NEEDS OF
CALIFORNIA CONDO OWNERS

  • MOTUS EARTHQUAKE INSURANCE PROGRAM

    • Motus earthquake insurance was designed to meet the needs of individual condominium owners who are not covered by a Master Policy
    • Individuals who purchase Motus insurance get comprehensive coverage that is tailored to the unique exposures of their condominiums
    • Coverage of shared assets, like common areas and pools
    • Combined Loss Assessment and Building Coverage – no matter how damage to the complex is allocated among unit owners, Motus covers the exposure
    • Motus is backed by an insurer rated “A” by A.M. Best, and is guaranteed by the State of California up to $500,000

  • OTHER OPTIONS FOR INDIVIDUAL CONDOMINIUM OWNERS

    • Motus insurance offers a superior insurance solution compared with other options available to individual condo owners, including policies offered by/through the California Earthquake Authority
    • These products typically offer zero coverage to shared assets, like common areas and pools
    • They do not combine Loss Assessment and Building coverage, so many condo owners end up with insurance that doesn’t match their exposure
    • Unlike Motus, coverage is capped at $100,000
    • And Motus is typically less expensive than other individual options – sometimes a fraction of the price

HOW THE MOTUS INSURANCE PROGRAM WORKS

1st

STEP

A homeowners’ association board enrolls in the Motus Program

This involves a modest premium in exchange for entry into the program and a certain level of coverage for the homeowners’ association

More importantly, by enrolling in the Motus Program, the HOA board makes the Motus Insurance Program available to each individual owner

2nd

STEP

Once the HOA is signed up, each individual condo owner in the association receives an email with a link to the Motus website and an HOA code specific to the association

From www.motusins.com, each individual owner can select the level of coverage right for them

In addition to Real Property coverage, Motus also offers Personal Property insurance and insurance against Loss of Use or Rent

Contact Motus, whether you are…

– An individual unit owner interested in connecting us with your HOA board or property manager
– An HOA board member or property manager interested in learning more
– A retail broker interested in connecting your HOA clients with Motus Insurance Services

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