Townhouse Insurance Fergus

When you're renting a property, insurance can get a little bit confusing. There are so many different types and it isn't always clear who is responsible for what. But, that's why we're here! At Staebler Insurance, it's our job to break down the complex world of insurance and tell you what you need to know about townhouse insurance in Fergus.

So, if you had to choose between condo insurance and townhouse insurance, which would you pick? "What's the difference” you ask? That's exactly the kind of question your Staebler broker is there to answer! Basically, condo insurance covers what is inside the building. So that means any property, furniture, improvements, and so forth. Townhouse insurance covers the same, but also applies to property outside of the building. So if you have a yard you've made improvements to, a deck, equipment and belongings that are mostly stored outside, a shed, townhouse insurance might make more sense for you!

Of course, townhouse insurance is about more than just property. It also helps protect you in cases of liability. Say if you have someone over and they slip & fall and are injured. You might think that was the kind of thing the landlord or property manager would have to deal with, but if it happens on your rental property, you could be the one held liable. Townhouse insurance provides you with protection in just such a case.

This is why it is always a good thing to talk with a knowledgeable insurance broker. There are a lot of misunderstandings and hanging questions out there when it comes to insurance, and what you don't know can hurt you. Reach out to one of our brokers about townhouse insurance in Fergus today and get the facts, and the protection, once and for all.