Condo and Townhouse Insurance for Complete Protection

Condo and Townhouse Insurance in California, Texas & Nevada | Noyce Insurance

Protect your condo or townhouse with the right insurance in California, Texas, and Nevada. Get coverage for your unit, belongings, and liability. Request a free quote today.

Comprehensive Coverage for Condo and Townhouse Owners

Owning a condo or townhouse comes with unique risks that require specialized insurance. Unlike homeowners insurance, condo and townhouse insurance covers your personal property, liability, and portions of your unit that your homeowners association (HOA) policy may not fully protect. At Noyce Insurance, we help you find tailored coverage that keeps your investment secure.

Interior Unit Coverage

Protects built-in features like walls, flooring, cabinets, and appliances that may not be covered by your HOA’s master policy.

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Personal Property Protection

Covers furniture, clothing, electronics, and valuables in case of theft, fire, or other covered incidents.

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Liability Insurance

Protects you if someone is injured inside your unit or if you accidentally damage another unit in your building.

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Loss of Use Coverage

Pays for temporary housing and expenses if your condo or townhouse becomes uninhabitable due to a covered loss.

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Loss Assessment Coverage

Helps cover your share of repairs for common areas if your HOA issues a special assessment after an insured event.

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Frequently Asked Questions About Condo & Townhouse Insurance

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  • Do I need condo or townhouse insurance if my HOA has a policy?

    Yes, while your HOA’s policy covers common areas and the building’s exterior, it does not protect your personal property or the interior of your unit. Condo and townhouse insurance fills these coverage gaps.

  • What is the difference between homeowners insurance and condo insurance?

    Homeowners insurance covers an entire property, while condo insurance is designed to protect your unit, personal belongings, and any parts of the building you are responsible for under your HOA agreement.

  • Does condo insurance cover water damage?

    It depends on the cause. Condo insurance typically covers sudden and accidental water damage, like a burst pipe. However, it may not cover flood damage or slow leaks unless additional coverage is added.

  • How much condo or townhouse insurance do I need?

    Your coverage should be enough to replace your belongings, repair your unit’s interior, and protect you from liability. We can help you determine the right amount based on your HOA policy and personal needs.

  • Can I bundle condo insurance with auto insurance?

    Yes, bundling your condo or townhouse insurance with auto insurance can help you save money while simplifying your policies. Ask about available discounts.

  • How do I get a condo or townhouse insurance quote?

    You can request a quote online, call our office, or speak with an agent. We compare policies from top carriers to find you the best protection at the best price.

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Protect Your Condo or Townhouse with the Right Insurance

Your condo or townhouse is a significant investment, and the right insurance ensures it stays protected. At Noyce Insurance, we work with you to find the perfect policy that fits your unit, belongings, and financial needs. Request a free quote today and get the peace of mind you deserve.