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Row Home Owners - Home Insurance question
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Travis m.
Mueller Community

Posts: 31
Joined on November 15th, 2009
Row Home Owners - Home Insurance question
by Travis m. on December 12th, 2012

For the row home owners, do you have a single family residence policy or a condo policy? I've had a condo policy for severaly years, and due to a re-fi, was recently told I needed a single-family type policy. Is this correct?
 
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Henry DeAngelis
Mueller Community

Posts: 22
Joined on January 22nd, 2012
Row Home Owners - Home Insurance question
by Henry DeAngelis on December 13th, 2012

Here is my understanding: You don't need a single-family policy for a row home that covers the structure. The property association carries a policy that covers the structure of the entire building. Jennifer Harvey was able to get me a copy of the policy when my mortgage company requested it. On the property association's liability policy, there is a line at the bottom for coverage of the structure. For row homes, the structure needs to be insured by the property association to ensure the entire building can be rebuilt in the event of damage, rather than depending collectively on individual policies to rebuild one building. That would be impractical to coordinate, and not a guarantee of being able to rebuild if one row home owner decided they did not want to carry insurance.

So you just need a condo policy to cover the interior finish-out, your personal property, etc. All this said, if anyone has a different view, please discuss.
 
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Mike Carroll
Mueller Community

Posts: 68
Joined on April 7th, 2010
Row Home Owners - Home Insurance question
by Mike Carroll on December 13th, 2012

The mulitunit owners association document spells out who is supposed to insure what. Part of your HOA dues pay the insurance premium on the part of your home you don't own...ie. the slab, roof, siding, etc. Last time I checked the association had around 20 million in blanket property coverage.

Henry is corrcet that you still need to insure the inside of the unit and, the Condo policy (HO-6) is what you need. How much you insure your unit for is up to you. If you've got hardwood floors, granite counter tops, etc you'll probably need more than you think.

It's possible the association could have changed the agreement for some of the new stand alone row homes (where the homes look like single family but are still part of the multi unit association), but it doesn't sound like you're in one of those.

I've had to fix countless policies of insureds because of uninformed mortgage officers said they needed a certain type of policy or didn't need this or that.
 
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Grace
Mueller Community

Posts: 311
Joined on March 23rd, 2009
Row Home Owners - Home Insurance question
by Grace on December 13th, 2012

Mike, are you an insurance agent?
 
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Mike Carroll
Mueller Community

Posts: 68
Joined on April 7th, 2010
Row Home Owners - Home Insurance question
by Mike Carroll on December 13th, 2012

Grace,

Yes I am. My wife and I run an independent agency. http://www.carroll-delaune.com
 
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Travis m.
Mueller Community

Posts: 31
Joined on November 15th, 2009
Row Home Owners - Home Insurance question
by Travis m. on December 14th, 2012

Thanks for the responses.
 
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Sandy Clark
Mueller Community

Posts: 16
Joined on April 9th, 2010
Row Home Owners - Home Insurance question
by Sandy Clark on December 30th, 2012

Can anyone tell me if the HOA row home insurance policy covers windows and doors? Jennifer told me awhile back that it didn't. I never received anything at closing explaining the responsibilities or have a copy of the HOA row policy coverage.

I am trying to change condo insurance and they are telling me that the policy won't cover window and doors. They say the row insurance policy should cover it because it is part of the exterior. The condo insurance covers sheet rock in,

Does anyone know what is correct?

Thanks for your assistance.
 
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ristexas
Mueller Community

Posts: 145
Joined on April 17th, 2008
Row Home Owners - Home Insurance question
by ristexas on December 31st, 2012

I can't give you a great answer, but here's a clue. Our row home door needs maintenance (and possibly repair) due to cracked and fading wood. Jennifer affirmed that the association will take care of it.
 
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Jones Cody


Posts: 42
Joined on September 5th, 2019
Row Home Owners - Home Insurance question
by Jones Cody on October 12th, 2019

both home and car insurances are important. For auto insurances go to this website where auto insurance Sacramento provides all details of what they are upto. This will lead to no question in the customers minds.
 
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Jones Cody


Posts: 42
Joined on September 5th, 2019
Row Home Owners - Home Insurance question
by Jones Cody on November 6th, 2019

The home insurance question asked here was in my mind, as well, and the people who give insurance nationwide have answered the question quite well here. I am happy about that, and I want to see some more discussion now.
 
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