Coverage
Townhouse Insurance in Florida
Coverage designed for townhome ownership, where you and your HOA each insure different parts of the property.
Mon–Fri 9am–6pm ET
Talk to a licensed agent about townhouse insurance
Takes about a minute. A licensed agent calls you back during office hours (Mon–Fri 9am–6pm ET).
Local, licensed and easy to reach📍 Office: M&K Agency Inc. · 33550 S Dixie Hwy, Suite 102, Florida City, FL 33034📞 (305) 859-3953 · Mon–Fri 9am–6pm ET🪪 FL License #L109526
Townhouse insurance sits in between a single-family home policy and a condo policy — your HOA's master policy usually covers the building structure, while you're responsible for interior finishes, personal property, and liability.
We'll help you understand exactly what your HOA's policy covers so you don't end up over-insured or, worse, with a gap no one catches until there's a claim.
⚠️ Townhouses older than 20 years may also require a 4-point inspection and wind mitigation report, depending on the carrier.
- Interior structure & betterments coverage
- Personal property protection
- Liability & loss assessment coverage
- Coordinated with your HOA master policy
Coverage is subject to underwriting and eligibility. Descriptions are general information, not policy language.