On Lyndale Street in the Logan Square neighborhood of downtown Chicago sits a six-unit condo building. The rather average building is home to more than a dozen residents, a mix of professional couples and families with kids. Everyone in the small community pays homeowners-association fees to cover building improvements, various repairs, and basic amenities like upkeep of the common area and trash removal. But lately the Lyndale Street residents have been sharing a new burden: soaring insurance costs.