---
title: How should town homes be insured?
description: Our insurance needs are primarily the exterior, and liability.  How should 6 town homes in a quiet retirement community be insured?
image: https://www.condoassociation.com/hubfs/Stock%20images/Insurance%20Concept.%20Word%20on%20Folder%20Register%20of%20Card%20Index.%20Selective%20Focus.-4.jpeg
---

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# How should town homes be insured?

| [Condo Association Insurance](https://www.condoassociation.com/blog/topic/condo-association-insurance) |  

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## What do you think? Question:

Our small HOA has had turn over in officers, so we felt it was a good time to re-examine our insurance policy. We are considered a non for profit, but find the insurance qualifies us as a business.

Our insurance needs are primarily the exterior, and liability. Yet with the current policy things like payroll, computers, and terrorism are in the coverage and totally unnecessary. How should 6 town homes in a quiet retirement community be insured?

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## What do you think? Answers (4)

#### What are your thoughts on this topic?

***Comments and postings are not legal advice**, but are the opinions of our readers. This forum and its contents are being monitored. Please be respectful of each other. *  
  

## Related Posts

### [How does HOA insurance work?](https://www.condoassociation.com/blog/how-does-hoa-insurance-work)

### [Do we have the right HOA insurance coverages?](https://www.condoassociation.com/blog/do-we-have-the-right-hoa-insurance-coverages)

### [Are condo unit owners required to keep homeowners insurance?](https://www.condoassociation.com/blog/tabid/19257/bid/11269/Are-condo-unit-owners-required-to-keep-homeowners-insurance.aspx)

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