---
title: Your responsibilities
date: 2025-11-17T11:15:00+00:00
author: Clinton
canonical_url: "https://co-ownership.org/costs-responsibilities/your-responsibilities"
section: Getting started
---
**Costs & responsibilities**# Your responsibilities

As a homeowner, you're responsible for maintenance, repairs and insurance, plus seeking approval for structural changes.

- [Eligibility checker](https://co-ownership.org/tools-calculators/eligibility-checker)
 
 

  ![man and woman smiling holding branded mugs standing in doorway of office](https://co-ownership.s3-assets.com/1140x1140px/_1140x1140_crop_center-center_none/christine-piaras-standing-holding-mugs-in-doorway-at-brochure-at-Co-Ownership-office.jpg)  

 

## In this section

- [Fees, costs & rent](https://co-ownership.org/costs-responsibilities/fees-costs-rent)
- [Your responsibilities](https://co-ownership.org/costs-responsibilities/your-responsibilities)
- [Increasing your share](https://co-ownership.org/costs-responsibilities/increasing-your-share)
 
- [Affordability calculator](https://co-ownership.org/tools-calculators/affordability-calculator)
- [Repayments calculator](https://co-ownership.org/tools-calculators/repayments-calculator)
- [Eligibility checker](https://co-ownership.org/tools-calculators/eligibility-checker)
 
 

 

 ## Contents

 

**When you buy through Co-Ownership, you're not just getting a place to live. You're becoming a homeowner with all the responsibilities that come with it.**

The difference is that you share ownership with us, which means there are a few additional things you need to know about.

 

 

 

 

    

 

    

 

    

 

    

 

    

 

  - We recommend setting aside money each month for repairs and maintenance, even if nothing needs fixing right now. Boilers break, roofs leak, and unexpected costs can crop up at any time.
- Review your insurance annually, making sure your level of cover is adequate and you're getting good value.
- Keep track of your service charges and any planned increases.
- Budget for your annual rent increase, which typically happens in April each year in line with inflation.
- Most importantly, contact us if you're unsure about any of your responsibilities or if your circumstances change in a way that might affect your agreement. We're here to help you understand what's expected, and support you in meeting your responsibilities as a co-owner.

 

 

 

 

 ## Questions about your responsibilities?

If you'd like to talk through what's expected of you as a co-owner, or you have questions about any of the responsibilities set out on this page, get in touch with our team.

- [Get in touch](https://co-ownership.org/book-an-appointment)
 
 

  ![Woman in patterned coat, wearing glasses and a headset, smiling at her computer](https://co-ownership.s3-assets.com/1380x800px/_1380x930_crop_center-center_none/Kim-with-headset-sitting-at-desk-in-Co-ownership-office.jpg)