2026 Calculator
Townhouse Insurance Calculator
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Legal Disclaimer
This estimate is based on projected 2026 data and industry averages. Actual premiums vary by insurer, location, and individual factors. Consult a licensed insurance agent for accurate quotes.
*Based on estimated 2026 projections. Data may not reflect real-time legislative changes.
FAQ
Is townhouse insurance the same as condo insurance?
No. Townhouse owners typically use HO-3 policies (same as single-family homes) because you own the entire structure including exterior walls. Condos use HO-6 which covers interior only. Check your HOA master policy to see what's covered.
How much does townhouse insurance cost in 2026?
Townhouse insurance costs $800-$1,500 per year on average. Costs depend on home value, location, age, and construction. Shared walls may reduce fire risk, potentially lowering premiums compared to detached homes.
Does my townhouse HOA insurance cover me?
The HOA master policy may cover exterior walls and common areas, but rarely covers your unit's interior or belongings. You still need your own HO-3 or HO-6 policy. Always review your HOA's declarations page.