Cohousing-L Mailing List: Re: Master policy struggles?

[Cheryl Keil (cheryl.keil.wc18]

Yeah here you go!

Hi everyone, 

This is Cheryl from Wasatch Commons in Salt Lake City, Utah with an insurance 
question. 

We are having a hard time finding insurers who will quote us on a master policy 
because we’re an HOA (strike 1) and a cohousing community (strike 2+). Insurers 
find the self managing/self maintaining aspect of cohousing risky, blah blah 
blah 

So….I just wanted to reach out and see:
- Are other cohousing communities experiencing the same thing?
-  Which insurer is your current policy with?

Any additional feedback is very much appreciated!

Thanks,
Cheryl



Cheryl Keil 
Sent from my iPhone

> On Oct 22, 2025, at 7:13 PM, Courtney Overby via Cohousing-L <cohousing-l 
> [at] cohousing.org> wrote:
> 
> Can someone reshare the original post of this? For some reason I’m not
> seeing it
> 
> 
> Thank you!
> 
> Courtney A. Overby, MPP
> 
> "If your only tool is a hammer, you're apt to go around treating everything
> as if it were a nail" -Abraham Maslow
> 
> Master of Public Policy, 2020
> Minneapolis Global Shapers Alumni | Initiative of World Economic Forum
> (e) Courtneyanna.db [at] gmail.com
> (p) (612)750-0808
> 
> https://www.linkedin.com/in/caoverby
> 
> 
>> On Wed, Oct 22, 2025 at 8:05 PM Katie Henry <katie-henry [at] att.net> wrote:
>> 
>> When we applied for our master policy, we avoided saying anything about
>> cohousing. We did our best to look like a boring suburban condo
>> development, which is what we are, legally and financially. I'm not sure if
>> the insurance broker even knew about cohousing. We have a board, we have
>> maintenance contracts for important services (fire alarm monitoring, etc.),
>> we have reserve funds, etc. They don't need to know about the fuzzy
>> community stuff.
>> Our policy is with State Farm.
>> Katie Henry
>> Heartwood Commons - Tulsa
>> 
>> https://sites.google.com/view/kthnry/home
>> https://www.heartwoodcommonstulsa.com/
>> 
>> 
>> 
>> 
>> 
>> 
>> 
>> 
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