Cohousing-L Mailing List: insurance for Common House

[fernselzer [at] aol.com (fernselzer]

Hi all,At New Brighton Cohousing, we have had some damage from a guest in the 
Common House. This overnight guest was hosted by a renter who lived in the home 
of one of our members.  Fortunately, the expense is not over the top, yet we 
don't know who will be footing the repair bill, as the guest has denied it- 
though it was clearly they who did it.   
Getting to my point:   this has caused us to start thinking about our insurance 
coverage.  We currently have a master policy typical of condos, and each of us 
individually have our own homes insured with condo insurance.    I am wondering 
if there is anything different that we need in our  policies to cover paying 
guests in the CH, since most condos do not have paying overnight guests in 
their community building.   I am sure some of you may have looked into this and 
I wonder what you have found.  Is it covered in a master policy?  Or did you 
need to get some other insurance to cover a gap?  Other things we've been 
thinking about:  Should we require our members who rent out their homes require 
their tenant proof that their tenant has rental insurance?  What about gigs in 
the CH when performers are collecting donations, or even requiring a ticket- 
would the master policy cover any damages even though money was collected?
Thank you for any information about whether these situations create a gap 
problem for insurance coverage for co-housers!Best to you all,
FernNew Brighton CohousingAptos