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1155 Kelly Johnson Blvd, Suite 440
Colorado Springs, CO 80920

Protect Your Townhouse With Fantastic Insurance

Townhouse Insurance in Colorado Springs, CO

Buying a townhouse in Colorado is often a less expensive way to get a beautiful new house. This dwelling type differs from condos because it is larger and doesn’t share as many extra spaces with buyers.

If you’re planning on moving into Colorado Springs and need a home insurance policy before finalizing your mortgage, it’s important to understand your options. After all, you’re spending good money; why not protect it with amazing coverage?

townhomes in front of mountains

Is Your Insurance Protecting You?

What Does County Townhouse Insurance Cover?

When you buy townhouse insurance from Alliance Insurance of the Rockies, you get home protection that covers multiple facets of your property. After all, who wants to buy something for hundreds of thousands of dollars only to leave it unprotected?

Anyone who plans on buying or selling one must understand these four coverage types:

Townhouse Homeowners Insurance for Colorado Residents

Alliance Insurance of the Rockies provides townhome insurance for owners to create reliable home protection pretty similar to standard home insurance. These policies are basically the same as traditional protection but focus specifically on townhouses, like covering shared living areas between your house and other owners.

How Homeowners Association Policies
and Renting Impact Coverage

When you work with an HOA or rent your townhouse, there are other factors that might impact your insurance. That’s critical to understand because it may impact how much you spend and more. Here are a few things you have to consider before finding a policy:
Note that if you’re renting a townhouse, you need to buy a renters policy. Our team at Alliance Insurance of the Rockies understands these coverage types. It will make it easier to find an option that fits your budget without causing undue monetary loss.

How Much Townhouse Insurance Colorado Springs Residents Need

Alliance Insurance can help you find high-quality insurance policies in Colorado Springs, CO, or the greater El Paso County region without breaking the bank. While your needs may vary, here are some good guidelines for choosing the proper coverage level.

Dwelling Protection for Colorado Townhouses

If the townhouse is completely destroyed, you’ll need at least enough money to rebuild it. The total cost will vary depending on the house’s location, features, and size. Talk with us to learn more about the different factors that can affect this important type of protection.

Personal Property Coverage for Colorado Springs

Try to get at least 50-70% protection on your townhouse. This means it pays for that percentage of the replacement costs. Do a quick home inventory and call us if you’d prefer to set up 100% coverage for your townhouse.

Liability Levels
You Need

Most liability protection starts around $100,000, which helps protect you in major lawsuits. However, you can upgrade to $300,000 or more, with some getting protection as high as $500,000. Get this higher protection if you own a dog or have regular parties.

Additional Living Expenses Protect You Can Trust

Homeowners should receive additional living expenses equal to about 20-30% of their home’s insurance value. This protection should cover all rental costs when staying elsewhere after a serious problem impacts their home. Let us know, and we’ll set it up for your needs!

Frequently Asked Questions About Townhouse Insurance

Here are some of the most common questions Alliance Insurance of the Rockies hears from our clients about insurance for townhomes.
Like with single-family houses, you need protection before mortgages get approved. Mortgage lenders prefer townhouse coverage before approving a loan to ensure you protect the house with dwelling, home structure, and personal property coverage, as well as yourself with liability protections and additional living expenses assistance that makes sense for you.
When buying your policy, ensure it extends to all areas of the house. For example, does it cover the building itself without protecting sheds and other buildings? These elements, as well as costs, rates, features, location, features, deductibles, discounts, credit history, and home protection level, impact high-quality insurance policies.
At Alliance Insurance of the Rockies, we can provide home protection like townhouse insurance to keep your investment safe. Townhouse coverage handles multiple elements, such as your home structure, personal property, liability coverage, and additional living expenses.
However, it can vary depending on your costs, rates, features, location, features, deductibles, discounts, and credit history. How can you prepare for this service? Alliance Insurance can help you understand your protection, how it affects mortgage lenders, whether a homeowners association affects it, and how renting in El Paso County can impact your policy.
If you live on Colorado’s Front Page and want high-quality insurance policies, read on to learn more about how your home protection in Colorado Springs, CO.

Alliance Insurance of the Rockies
Is Here for Colorado Residents

Alliance Insurance provides homeowners of Colorado Springs, CO, townhome insurance that maximizes their home protection. This unique home insurance helps with mortgages, alleviates the fears of mortgage lenders, and provides townhouse coverage for dwelling, home structure, personal property, liability coverage, and additional living expenses.

Even if you’re in a homeowners association, renting your townhouse, confused by condos and their coverage, or want home protection you know you can trust, Alliance Insurance of the Rockies is here for you. We’ll discuss your costs, rates, features, location, features, deductibles, discounts, and credit history when choosing high-quality insurance policies.

Road Wreck Reveal: Uncover Accident Stats

Car accidents are a common occurrence on roads and highways across the United States, and they can have devastating consequences for those involved. Test your knowledge of car accident statistics with this quiz and discover the surprising facts and figures that may just save a life.