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The type of home insurance you need as the owner of a semi-attached house depends on how the title is registered. Condo and freehold titles are the most common, you can read more about both below.
If you’re unsure what type of title you have on your semi-attached house, check with your local land titles office.
With a condo (or strata) title, you have exclusive use and ownership of your portion of the house. However, the land and building are part of a larger property for which you share financial responsibility and maintenance with the other owner.
If your semi-attached house is condo titled, then you require two policies. The first covers the structure of the entire duplex – usually referred to as a residential condo property policy. The second covers your personal property and liability – usually referred to as a condo insurance policy. Square One only offers condo insurance policies.
With a freehold title (or a fee simple title), you have full use and control of the land on which your house is built. You also have full use and control of your portion of the semi-attached house. Your ownership is often subject to a party-wall agreement, which dictates responsibilities related to the common wall shared between the units.
If your semi-attached house is freehold titled, then your needs are virtually the same as those owning a detached house. So, at Square One, we will offer you a house insurance policy.