Condo Insurance vs. Townhome Insurance

Many condos and townhouses (also known as townhomes) look alike, both on the inside and outside. However, where insurance is involved, there is a noticeable difference between a condo and a townhouse. When comparing a townhouse vs. condo, you’ll find that what needs to be insured depends on who is responsible.

Key differences in condo vs. townhouse insurance

  • In a condo, typically the interior is covered by the owner and everything else is covered by the association.
  • In a townhouse, the owner is usually responsible for both the interior and exterior because everything on the land it’s built on is owned by the individual.
  • condo insurance policy is an HO-6, while townhome insurance is an HO-3.

Condo vs. townhouse insurance: 2 different types of home insurance