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Townhouse Insurance is similar in most respects to Condominium Insurance. It covers loss to your townhouse and your personal property, and it protects you from personal liability should someone get injured on your property.
Although similar to Condominium Insurance, Townhouse insurance is a separate entity (just as Townhouses and Condominiums are different things). A townhouse owner needs to insure the structure and the lot. Townhouse insurance can also cover trees, shrubs, plants, the lawn, and unattached structures on the lot. Condominium Insurance applies to unit interiors (and their contents) only, not the lots, as those elements owned by the condo association.
Some townhouse associations carry an association master policy to cover the common areas, but such master policies typically do not cover the townhouses themselves.
Townhouse insurance is for the owner, not a renter. If you are renting a townhouse, you should purchase Renters’ Insurance to cover your belongings and personal liability.
As the name implies, Townhouse Insurance is designed for those who own townhouses, even if the property is rented out or used only part of the year.
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