---
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?
---

[Condo Q&A ](https://www.condoassociation.com/blog)

# [How should town homes be insured?](https://www.condoassociation.com/blog/how-should-town-homes-be-insured)

 Written by [CondoAssociation.com](https://www.condoassociation.com/blog/author/condoassociationcom) | Wed, Aug 12, 2020 @ 11:54 AM

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?

[View full post](https://www.condoassociation.com/blog/how-should-town-homes-be-insured)

```json
{
  "@context" : "http://schema.org",
  "@type" : "BlogPosting",
  "author" : {
    "@type" : "Person",
    "name" : "CondoAssociation.com"
  },
  "dateModified" : "2020-08-12T11:54:46.976Z",
  "datePublished" : "2020-08-12T11:54:46Z",
  "headline" : "How should town homes be insured?",
  "image" : {
    "@type" : "ImageObject",
    "height" : 562,
    "url" : "https://www.condoassociation.com/hubfs/Stock%20images/Insurance%20Concept.%20Word%20on%20Folder%20Register%20of%20Card%20Index.%20Selective%20Focus.-4.jpeg",
    "width" : 1000
  },
  "mainEntityOfPage" : "https://www.condoassociation.com/blog/how-should-town-homes-be-insured",
  "publisher" : {
    "@type" : "Organization",
    "logo" : {
      "@type" : "ImageObject",
      "height" : 60.0,
      "url" : "https://www.condoassociation.com/hubfs/Logos/CondoAsso-logo.png",
      "width" : 179.13875
    },
    "name" : "Condo Q&A"
  }
}
```