Coverage Guide
Townhouse Insurance Guide
HO-3 vs HO-6 for attached homes
Coverage Types
Dwelling Coverage
Structure protection
$800
Base/yr
Personal Property
Belongings
$200
Base/yr
Liability
Guest injuries
$100
Base/yr
HO-3 vs HO-6: Which Do You Need?
| Factor | HO-3 | HO-6 |
|---|---|---|
| Own Exterior Walls | ✓ Use HO-3 | No |
| HOA Owns Exterior | No | ✓ Use HO-6 |
| Full Structure Coverage | ✓ | Interior Only |
Check your deed and HOA documents to determine ownership structure.