I own a townhouse. Should it be insured like a condominium or a house?

Department:	Personal Insurance
Type:	FAQs
The term “townhouse” describes a form of architecture, not a form of real estate ownership. Your unit may be part of a condominium association and should therefore be covered on a condominium unit owner’s policy. On the other hand, the deed may be “fee simple” like most free-standing houses, in which you own the house and land. In the latter case, you should be covered on a homeowner insurance policy.