Condo Insurance Request a Quote Need an insurance quote for your condo or townhouse? You’ve come to the right place.If you own a townhome or condo, you have different insurance needs than the typical homeowner.Not only do you own your individual condo, you also share ownership in the common areas and overall structure of your building. If shared areas need upkeep and maintenance, your association will typically handle the expense through their insurance package. Although your association dues help pay for upkeep of the common areas, they do not typically cover your personal property within your own unit, or your liability if someone is injured on your property.Condo insurance provides protection where condo associations do not. Condo and townhome coverage protects your possessions within your unit, including furniture, appliances, kitchen and bath facilities and your personal items.If you plan on upgrading your unit, any improvements you make will also be covered under your policy, including wall units, renovations, wallpaper.If you would like to feel more secure, you should look into purchasing a condo or townhome insurance plan from Total Coverage Insurance.