Hi Tina

See below the information you requested, so that you can look for an indication of what our insurance costs as body corp might be.

On the matter of the split between residential/non-residential in the common house, I have been asked to let you know that the whole of the common house should be regarded as residential, because it is an extension of our residential properties held in common. Rather like a whare kai or whare nui on a marae - this is where we cook and eat and socialise and do workshoppy things and have guests together, so is an extension of each of our units. There are restrictions on the use to which the space can be put beyond our own community use, specified in the resource consent. "Consent is granted on the basis that the common house is readily available for the use of all residents at any time..... The Committee does not expect that the common house will be used for home occupations..... nor will it be hired out as any kind of function centre as a means of raising finances by the cohousing group."

The group has also asked the following questions:

  - Do we need Public liability insurance?
  - Do we need to notify the insurance company about adding decks, wardrobes or other minor improvements? (under contract works)

Before we need to make the decision on insurance, we will invite you to come and talk to us all, if that is possile, so we have a clear idea of what our insurance needs will be and how it will all work

I hope this is all you need for the moment. Let me know if there is any further information I can get for you

Warm regards,

Anne