(303) 745-3857

Your coverage has some special issues complicated by the typical home owners associaltion.

If they have not described what coverage is provided by the master policy that the association pays for to cover the building then it is vital to ask for a written description of the coverage you are expected to own.

Some townhome complexes cover nothing on the resident dwellings and these owners must insure just as if they were living in a detached home.  Cover everything inside and out.

Most HOAs ask you to cover the inside finish of the townhome and its contents.  They may also ask that you carry a minimal amount of liability coverage.  Some townhomes and condominiums ask you only to cover your personal belongings.  Most lenders do not ask for proof of coverage on condominiums or personal artilcle coverage.

All of these policies will also provide the Loss of Use coverage to pay for expenses you may incur if you need to move out of a destroyed residence.