To assist Cherokee homeowners insure homes and personal property

The Cherokee Nation’ Housing, US, has offered the Community Shield program to assist Cherokee homeowners insure homes and personal property, for the past year. Previously, the Housing Authority of the Cherokee Nation had offered the program, reported Cherokee Phoenix.


Management of Community Shield moved to Housing Services in 2008, when the tribe’ administration took over most of HACN duties.


Community Shield offers Indian homeowners, tribes and other entities insurance coverage for homes located in Indian Country, which is a group policy that offers dwelling value and personal property coverage.


Basic coverage includes fire, lightning, explosion, riot, windstorm, hail, falling objects and weight of ice, snow or sleet, sinkhole and volcanic action. It also offers group coverage, which is individual homeowners/tenant coverage on a group basis.


Mary James, Senior Director, Housing Services, said: “I don’t think you’re going to go anywhere and get coverage for $370 a year and where everyone has the same premium. The $370 is the annual fee for a basic premium on a house. What happens is that Housing Services pays the annual premium. The homeowner then reimburses Housing Services by paying monthly.”