Cohousing-L Mailing List: Insurance cost

[Carolyn Salmon (2salmon]

> Quimper Village’s  insurance line in our budget this year.   QV is located 
> within the city limits of a smalll town.  We are located about a mile from 
> the main fire station.   We have 28 units, 17 garages, Common House, 
> workshop/storage building located on 4.5 acres.  The community owns a small 
> pickup truck, golf cart  and a riding mower .  The Common House has a 
> sprinkler system.   The community insures residential buildings from the dry 
> wall out.  Owners are responsible from drywall in.  

2000 INSURANCE



2001 Property/Liability



200101 Commercial Package 

13,474.00

200102 Commercial Umbrella Liability 

1,683.00

200103 Volunteer Liability 

320.00

Total 2001 Property/Liability 

15,477.00

2002 Shared Car Insurance 
1,869.98 
2,432.00 
76.89 %

Total 2000 INSURANCE 
1,869.98 
17,909.00 
10.44 %




I don’t know who our insurer is; but I can get that information for you, if it 
would be helpful.

Carolyn 

> 
> Today's Topics:
> 
>   3. Re: How much is your condo insurance? (Eastern Village
>      Cohousing) (Jay KapLon)
> 
> 
> ----------------------------------------------------------------------
> --------------------
> 
> Message: 3
> Date: Thu, 26 Mar 2026 23:05:45 -0400
> From: Jay KapLon <Jay [at] KapLon.org>
> To: cohousing-l [at] cohousing.org
> Subject: Re: [C-L]_ How much is your condo insurance? (Eastern Village
>       Cohousing)
> Message-ID: <0ED9CAB3-7214-494E-9FA3-179B2684EA4F [at] KapLon.org>
> Content-Type: text/plain;     charset=utf-8
> 
>> From: Katie Henry <katie-henry [at] att.net>
>> Subject: [C-L]_ How much is your condo insurance?
>> Date: March 26, 2026 at 1:11:43?AM EDT
>> To: Cohousing-L Cohousing-L <cohousing-l [at] cohousing.org>
>> 
>> 
>> Would anyone mind sharing the cost of your condo insurance? We have 36 units 
>> and a common house clustered into twelve single-story buildings plus 
>> separate garage structures and a carport on five acres. New construction 
>> (two years old); buildings are fully sprinkled; no elevators; no risk 
>> factors like a workshop with power tools or a pool.
>> 
>> Our premiums are $58,000/year with State Farm plus a $10,000 deductible per 
>> building. The premiums only cover the building exteriors. Homeowners are 
>> responsible for drywall in. I know rates are going up, but this seems 
>> staggeringly expensive to me. Does anyone else have premiums in this 
>> ballpark?
>> 
>> Thanks!
>> Katie Henry
>> Heartwood Commons - Tulsa
> 
> Here at Eastern Village Cohousing in Maryland, US (Katie?s old stomping 
> ground that she helped build) we have 56 cohousing units as a condominium 
> with a common house. including a workshop, accessible green roof and a 
> roof-top play set, as well as 11 commercial units all in a single 4 story 
> building with 2 elevators. It is a 60+ year old building gut rehabilitated 20 
> years ago. Fully sprinklered.
> 
> Our premiums are $49,000 this year with a mix of suppliers for different 
> faucets of the insurance. Our previous insurer, State Farm, dropped us 2 
> years or so ago. $10,000 deductible per incident. The premiums only cover the 
> building exteriors. Homeowners are responsible for drywall in.
> 
> Hi Katie!
> 
> -Jay
> 
> Eastern Village Cohousing
> Silver Spring, MD, USA
> 
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