What is Townhome Insurance?

Insurance for a townhome is typically written on an HO6 form. This policy will provide coverage for what's inside the walls of your townhome including personal belongings, interior walls, floors, and fixtures.

Common Coverages Included in Townhome Insurance

Personal Property

This includes your personal belongings, such as furniture, electronics, clothing, and appliances. If your property is damaged or stolen, your insurance can help cover the cost of repairing or replacing it.

Interior Walls, Floors, & Fixtures

An HO6 policy will cover damage to the walls, ceilings, and floors within your townhome, as well as any built-in fixtures or improvements you've made.

Liability Coverage

If someone is injured or their property is damaged while in your townhome, your liability insurance can help cover the cost of legal fees, medical expenses, and other related expenses.

Loss of Use

If your townhome becomes uninhabitable due to a covered loss, your insurance may provide coverage for additional living expenses, such as hotel stays, until you're able to return home.

It's important to note that insurance policies can vary, and the specific coverage you have may depend on your policy's terms and conditions. It's always a good idea to review your policy and speak with your insurance agent to understand what is and isn't covered.