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Flat (condo) and home insurance both protect your property - but they cover very different things. This guide breaks down the key differences between flat and home insurance, including what’s covered, how HOA master policies work, and when you might need both. Learn which type of coverage fits your situation, how to avoid overlapping protection, and smart ways to save on premiums. Whether you own a city apartment or a suburban house, understanding the distinction helps you protect your investment with confidence.

Home insurance protects your property, belongings, and finances from unexpected damage or loss. Learn what’s covered, what’s not, and how to choose the right policy and save on premiums. Whether you’re a new or experienced homeowner, this guide helps you safeguard your most valuable investment.