Allocation of Cost of COA Master Insurance Policy

[James Farrel]

I own some units in a condominium that includes both apartments in a mid-rise tower and 3 story townhouses.   Assuming an equal  number of apartments and townhouses, would an insurance company typically charge more for insuring the townhouses, apartments or neither under a master policy?    Further information:  the townhouses are approximately twice the square footage of the apartments.   Also, the apartments have a sprinkler system and their building is all brick while the townhouses have a wood frame construction.  Also, the apartments have a small gym and conference room for the exclusive use of the apartment residents.