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

[Noel Rosenberg (noel]

On Thu, 23 Oct 2025, Katie Henry 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/

Same here.  We're actually two adjacent cohousing communities: Mosaic 
Commons and Camelot.  Each of us is a condominium, and together we have a 
joint condo trust Sawyer Hill Condominium Trust.  Our agent handles our 
policy, but all the insurers care about is that we're a condo development 
and the usual things that brings up.  They examine our governing documents 
(Declarations of Trust and Master Deeds).  They want to know all of the 
building and infrastructure we're insuring.  They care that one of the 
communities has a pool.  Other than that, we're a condo association like 
any other as far as they care, since from a legal and financial point of 
view that's what we are.

-Noel
--
---Noel Rosenberg
--- noel [at] mosaic-commons.org