Townhouse Insurance

Coverage

Coverage designed for townhome ownership, where you and your HOA each insure different parts of the property.

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

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