Hi all - I'm moving into one of the new Streetman townhomes on Berkman and am having trouble finding out how much insurance I need to purchase what will be provided by the HOA. Specifically, I was told that the HOA will be covering the "structure" but I'm unclear if that includes interior walls and floors or just the exterior.

If any of my future neighbors have uncovered something more specific please pass it along.

Thanks! I'm excited about joining the neighborhood!
adam

This post might be useful.

http://www.muellercommunity.com/index.php?module=Forums&op=posts&ForumID=12&TopicID=1802&page=1#Post8443

If it's like the DW rowhouses, there are Supplemental Covenants for your section. Your builder or Jennifer Harvey should have it.

Hello Adam,

Am going to be moving in to one of the Streetman town homes on Berkman myself and right now shopping for HOI. Have you bought your insurance? Whom did you go with?

What we need apparently is "walls-in" insurance. Bob Brock @ Streetman gave me a brochure (think from Farmers) which explains what needs to be covered for the townhomes.

Good luck and look forward to meeting you soon!

Cheers,
Suds

Suds,

Allstate has the best deals on an HO-6 policy in the State - from what my experience has been, though I'm not sure about State Farm. At least for the Weekley Row Homes an HO-6 policy is what was needed.

For $200k building and 75k property we recently got the following quotes:
Amica - $1500
Travelers - $950
Hartford - $950
Allstate - $400

The supplemental covenants (and Jennifer Harvey) were really not much help.
I tried and tried to get a copy of the master insurance policy and even called the agent that is responsible for the master policy who was of some help. Basically, after hours of research what I found is that the master policy covers the roof and roof structure, foundation, and load bearing walls (including exterior walls).
You need to cover all electrical, HVAC and plumbing, sheetrock, paint, flooring, tile, appliances, fixtures, etc., etc., etc. It's somewhat of an unknown if you are also responsible for the structure of interior non-load bearing walls.

I initially went with an estimate of about 60% of the purchase price in terms of figuring the amount of coverage for the building that we needed. The Title Company came back and essentially said you need coverage for 80% of the purchase price in terms of the building coverage.

If you PM me I can give you more details and tell you who our agent is.

Sincerely,

Daniel Estabrook

Mueller Community Townhouse Insurance is good, and I think you should get it. I have the https://myprivatehealthinsurance.com/private-health-insurance-plans/ insurance, so I am not I need of an insurance plan right now.

great post

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