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Why would I want condo insurance or townhome insurance, isnt that covered by my HOA insurance?

April 26, 2017condo Covered hoa Insurance townhome

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Why would I want condo insurance or townhome insurance, isnt that covered by my HOA insurance?

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Most HOA insurance does not cover the interior of condos. This includes wall finishing, light fixtures, appliances, carpeting, and even cabinets and sinks. Without an individual condo or townhome insurance policy, a serious loss could cost you tens of thousands of dollars.