Property (Master or Common-Area)
The recorded documents decide whether the association insures the buildings or only the common areas. Placing the right basis is the first and most important call on a townhome program.
What Townhome Association insurance covers
The full townhome association insurance program, read one line at a time. What each policy is for, and how we rank it by priority.
- Coverage lines
- 9
- Priority tiers
- Core · Recommended · Situational
- Placed across
- 60+ carriers
Trusted by 60+ carrier partners
Core
Required for every townhome association
Directors & Officers (D&O)
The board governs enforcement, assessments, and the shared-wall boundary. D&O defends the volunteers against the disputes those decisions create.
Read the Directors & Officers guideGeneral Liability
Common-area injuries are the most frequent claim, and the association maintains the private drives and shared spaces where they happen.
Read the General Liability guideRecommended
Needed for attached structures and warrantability
Ordinance or Law
A fire across an attached row can force a code-driven rebuild of several units. Older townhome construction carries the largest uninsured gap without it.
Fidelity / Crime Bond
Required under the Fannie Mae standard for condominium-form projects over 20 units, and by many lenders, making it a condition of financing townhome sales.
Read the Crime & Fidelity guideParty-Wall Coverage Alignment
The property program has to match the party-wall agreement so a shared-wall loss is not disputed between the association and owners.
Situational
Depends on location and amenities
Umbrella / Excess Liability
Recommended where a row fire or a pool injury could exceed the primary limit.
Read the Umbrella Insurance guideEquipment Breakdown
Standard where the community has shared HVAC, gates, or pump systems that standard property forms exclude.
Flood / Difference in Conditions
Required by lenders in a FEMA flood hazard area and worth carrying for low-lying attached rows.
Go deeper
Read any line in full
Each coverage has its own guide with limits, exclusions, and the claims it actually pays, across every business we place it for.
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Send us your policy and a licensed advisor benchmarks your townhome association insurance across 60+ carriers, showing the gaps and the savings. If your program is already solid, we'll tell you.
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