Owning a townhome comes with unique insurance considerations, as the coverages you need differ from those of a traditional single-family home. At Marla Williams Agency, our agents have helped many Kansas residents with townhomes get the right coverage for their properties. Here are a few things to know when getting home insurance for this type of residence.

Check What Your HOA Covers

Many townhome communities have a homeowners association (HOA) that carries a master insurance policy. This policy may cover the exterior structure, roof, and shared spaces. However, coverage varies widely between communities. Some HOAs only insure common areas, making the entire building structure your responsibility. Others might cover only some features within your townhome. 

Always review your HOA documents to understand where their coverage stops and where yours needs to begin. Our agents can help review your HOA’s master policy.

Insure the Interior and Personal Property

If the HOA only covers the exterior, you’ll need a townhome insurance policy similar to a standard homeowners policy. This protects the interior walls, floors, built-in fixtures, and your personal belongings. Even if your HOA provides structural coverage, you still need insurance for your belongings.

Being similar to a standard homeowners policy doesn’t mean that your townhome policy will be exactly the same. There are still coverages and terms specific to townhomes.

Liability Protection Is Essential

Townhome living means shared walls and close neighbors. Liability coverage protects you if someone gets hurt on your property or accidental damage affects another unit. This can include water leaks, fires, or other incidents that spread beyond your home.

Find Home Insurance for Your Townhome

Make sure your townhome is fully protected. If you’re in Kansas, contact us at Marla Williams Agency to speak with an agent who can help find good coverage.