Living in a planned community development offers many advantages but may also impose some restrictions and responsibilities on all owners. Maintaining an attractive appearance of our units, harmonious relations with your neighbors and providing a safe and healthy environment are also a very important part of our community.  The following policies represent the guidelines for resident activity and property use.  They have their basis in the Covenants, Conditions and Restrictions (C.C. & R’s) and decisions/resolutions of the Homeowner Association Board of Directors.

Please familiarize yourself with them and how they may impact your use of the common area facilities and what association approvals are required prior to making changes to your unit or surrounding common or restricted common areas.


The Following Documents are in Adobe Acrobat (.PDF) format.


1) Articles of Incorporation


2) By-Laws


3) CC & R’s


4) Rules of Conduct

General Policy


Guidelines for general usage

Guidelines for common area usage

Animals and pets



Pool area

Garage sales

Outdoor furniture

Hose storage

Common areas

Guidelines for carport usage

Satellite Dish Antennas and Cable Wiring Policy

Guidelines for other restricted common area

Refuse area

Laundry room

Patio fence and balcony railings

Carport storage

P.G.& E.


Property care and maintenance

Alteration of the common area

Complaint procedure

Complaint notification & enforcement policy

Processing schedule

Fine policy


5) Modifications to common areas

To preserve the quality and continuity and appearance of Capitola Knolls, the Association requires that owners receive approval prior to making any modifications to their units and surrounding common areas. Please print a copy of the appropriate request form and submit to the Management Company for Association approval before doing any work.

Architectural Modifications: General

Garage Doors and Openers



Deck Extensions

Patio and/or Fences

Private gardens

Exterior Decorations

Satellite dish Request


6) Pool and Spa

Pool and Spa Rules


7) Property Information

The Association maintains a file of current owners’ and residents’ addresses, phone numbers, and email addresses that can be used in an emergency or when the need a raises to contact you or your tenants. Please complete this form anytime there is a change in the information.

Property Update Form


8) Statement of Insurance Coverages

California Civil Code Section 1365.9 requires that your Association provide

notice of the amount and type of insurance carried which is shown below.


General liability (primary)

Allstate Insurance Company

Property Insurance Limits:        $20,799.00

Property Deductible:                  $5,000                                           


Liability Insurance and Directors & Officers Liability

Allstate Insurance Company

Limits of Liability:                      $2,000,000                                           

General Liability Deductible:       No deductible


Liability Umbrella                                  $4,000,000


Earthquake Insurance                          

Scottsdale and Essex Insurance Companies

Limits of Liability:                      $10,000,000

Deductible:                               5% per building value


Fidelity Coverage                                 The Hartford (9/10/2008 –2010)



Flood Insurance                                    N/A




The Association carries the levels of insurance specified by Civil Code Section 1365.9, and pursuant to that section, owners may be individually liable to pay the amount of any judgment which may be rendered in favor of a plaintiff bringing an action in tort arising solely by reason of an ownership interest in the common area that exceeds the limits of the Association's insurance.


The Association’s policies do NOT provide any coverage for interiors of individual units. It is therefore recommended that homeowners should procure a ”condominium owners policy” that includes not only earthquake and  loss assessment coverage but personal property coverage that will cover the replacement of carpets, drapes, movable appliances & furniture and any real property improvement you made to or around your dwelling. Therefore members should consult with their individual insurance broker or agent for appropriate additional coverage.




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2005 Capitola Knolls Homeowners Association