Insurance for Attached Single Family Home?

[sharingan625]

Hi guys,

First post here. Nice to meet you all.

I am in bit of a weird situation.

My new house shares a wall with next door neighbor, but is still considered a single family home. The HoA does not cover anything.

I cannot get a single family home insurance because i have a shared wall, and i can't get a condo insurance because then the exterior won't be covered.

Escrow company is telling me to get 2 different insurance, which i think is ridiculous.

What can i do in this situation? is there any type of home insurance that covers my situation?


Thanks.

 

[Bobby]

Where are you located

 

[sharingan625]

I am in Orange county, CA. City of San Juan Capistrano to be exact.

 

[Aram Fingal]

Can't you insure it as a town home end unit? (think of your situation as a row of townhomes where there are only two homes and they're both end units)

 

[miscins]

I am not familiar with CA but this should be doable. Find an agent that is familiar with 'fee-simple' properties. It simply means that you own your portion of the building and are responsible for the exterior of the building as well as the interior. I even have an insured that owns an interior condo unit and he is responsible for his portion of the exterior.

 

[Sales71]

Hi guys,

First post here. Nice to meet you all.

I am in bit of a weird situation.

My new house shares a wall with next door neighbor, but is still considered a single family home. The HoA does not cover anything.

I cannot get a single family home insurance because i have a shared wall, and i can't get a condo insurance because then the exterior won't be covered.

Escrow company is telling me to get 2 different insurance, which i think is ridiculous.

What can i do in this situation? is there any type of home insurance that covers my situation?


Thanks.

I can help you if you still need help on the insurance. drop me your info www.A1InsuranceAZ.com

 

[Soaringagent]

I can help... please let me know if you need home insurance.

 

[jessicakappor]

You need to check with various insurance agents because all the agents have their different methods to make people fool. So cross check it with many agents then take a particular decision.

 

[F150]

You need to check with various insurance agents because all the agents have their different methods to make people fool. So cross check it with many agents then take a particular decision.

comment, of the decade......

 

[Sales71]

You need to check with various insurance agents because all the agents have their different methods to make people fool. So cross check it with many agents then take a particular decision.

How many fool are you looking to make??