How Much Is Homeowners Insurance For A Townhouse? 
The risks of a townhouse are different from those of a condominium . The townhouse owner actually owns the ground under the townhouse and is thus liable for personal injury and property damage claims that might occur on any of the deeded property . Normally the condo association covers the exterior of the building . In a townhouse the owner is responsible . The townhouse would be rated like a normal homeowners policy . 