Home insurance is a must and so is condo insurance for those properties that might not be a typical home. For those that live in a town home however, you can still use a condo policy to help cover your property. For those that live in the Santa Monica, CA area, the agents with Express Financial & Insurance Services can help you find the coverage that is going to work best for you.
For those that do have a townhome, condo insurance is going to work similarly for this type of home as a typical homeowners policy would. The main issue that you need to make sure you cover is that your townhome is part of a community. The main thing that sets a condo policy apart from a typical policy is that the home is connected to other homes and is part of a community of sorts. This type of policy is going to cover your unit and your unit only and is going to help cover for things like damages that are caused by other tenants as well as damages from typical things like storms, fire, and more.
A condo policy is going to help protect a townhome in that it is going to help protect you if your townhome is damaged by something that other your own fault. This means that if a fire breaks out in the adjacent townhome, your condo insurance can help cover the cost of repair and damages that may occur.
For those that live in the Santa Monica, CA area, the agents with Express Financial & Insurance Services can help you to create the perfect policy for your townhome and the issues that you may see with it.