Townhome Insurance

Townhome Insurance protects the home as well as any outdoor areas to which the owner has the title.

In short, Townhome Insurance covers everything inside the condo, as well as the land it is built on and any exterior areas such as patios or balconies. Most policies cover fire damage and some storm damage. Flood or earthquake insurance requires a separate rider.  Townhouse owners also need liability to protect from accidents on their property.

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Townhome Roofs

What Does Townhome Insurance Cover?

It is essential for Townhome owners to be insured in the unfortunate case that one of the following should occur:

  • Fire and smoke
  • Lighting strikes
  • Wind and hail
  • Theft and vandalism
  • Falling objects (such as tress)
  • Damages from vehicles