Home Insurance for a Townhouse

Home insurance for a townhouse should cover damages both inside and outside the property. Most townhouse insurance policies protect against fire and storm damage, but additional coverage may be needed for theft, earthquake, or flood. Start comparing home insurance policies for a townhome online before you buy to find the right level of coverage for you. Enter your ZIP code below to get started.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Nov 22, 2020

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Whether you call it a townhouse, townhome, row house, brownstone or by another name, the insurance it requires is just as much as any other living space would.

Those who live in a townhouse have basically compromised between apartment living and living in a house. It is a cozy living for many and a great way to not have to select one or the other permanently. It is basically a compromise that works out well, particularly for small families or single individuals.

Townhouse living spaces require insurance just as much as any other type of dwelling. Unfortunately, bad things can happen no matter what type of structure one lives in, and it is best to protect against such things by having an insurance policy that does so. This means that those living in townhouses should consider their insurance coverage.

Townhouse insurance covers the inside of the townhouse space as well as any outdoor property that is in possession of the owner. It is rather comprehensive in this way, but people should still realize that they need to read over their policy carefully to make sure it covers everything they want it to.

Fire and storm damage are covered in virtually all policies, but some other possibilities are left up to the choice of the person making the purchase. If earthquake coverage is something that they want, then they should make sure to get a policy that covers this. It is not a guarantee or even  likelihood that this will be covered in a standard policy. One will have to pay up for these additional services, but depending upon the area one lives in, it may be worth the trouble.

Protecting one’s personal belongings inside the townhouse is important. Aside from natural disasters that can take a toll, some also worry about man-made trouble. It can come in the form of theft. There are plenty of opportunistic criminals just waiting for someone to leave their townhouse unprotected. If they strike, the owner can be on the hook for all of those possessions if they are not protected. Thus, it is a good idea to purchase an insurance policy that covers these possibilities as well.

Expect to pay varying rates for theft coverage based upon where the townhouse is located. Different communities have different rates of crime, and these are always considered by the insurance company before determining a price.

Generally speaking, townhouse insurance is much more comprehensive than insuring a condo. Those who live in townhouses will be happy to know that their insurance policies are likely to do them a lot more good than an individual who lives in a condo. It is a simple matter of the insurance company offering greater service to townhouse residents. The risks to the insurance companies are lower, and thus they are able to offer better deals to those in townhouses.

Condo insurance frequently does not cover things such as hail damage, lightning damage, and even theft unless it is spelled out in the policy. Many of the things considered part of townhouse insurance are not part of condo insurance unless they are specifically labeled as such. This is an important consideration for those about to make a move to a new living space. Townhouses may be the better option from an insurance standpoint at least. While that may seem like a small thing on the surface, insurance costs can get high if there are a lot of risks. It is as important a factor to consider as many others.

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