Condo Insurance in Texas
Condominium insurance, often called HO-6 insurance, is for individual unit owners. We help Texas condo owners review interior improvements, belongings, personal liability and loss assessment alongside the association's master policy.
Your condo policy and the association's insurance
Start with the association's governing documents and master policy. They help establish what the association insures and which parts of your unit are your responsibility. Your own condo policy should be reviewed for those interior improvements, your belongings and personal liability.
Master policies may cover the building shell, original interior finishes or more. Check who insures drywall, cabinets, flooring, fixtures and later improvements. Labels such as bare walls or all-in do not replace reading the actual policy and documents.
Own a townhome? The ownership documents and any association master policy determine whether you need to insure the exterior as well as the interior. Shared walls alone do not decide the policy type.
What does condo insurance cover?
Coverage and exclusions vary by policy. Review these limits alongside the association's insurance.
The interior
Review the interior finishes and improvements you are responsible for under the association documents. Set the limit using their rebuilding cost, including upgrades, rather than the unit's sale price.
Your belongings
Furniture, clothing, electronics and other personal property. An inventory helps you choose a limit. Check replacement-cost terms and separate limits for jewelry or other valuables.
Liability
Personal liability can help with covered injuries or property damage you are legally responsible for. Review the limit and exclusions. Ask whether a personal umbrella could provide additional liability protection.
Loss assessment
Loss assessment coverage may help with certain assessments arising from a covered loss. Check eligible causes, limits, exclusions and any separate limit for the association's master-policy deductible.
Loss of use, including additional living expenses, can help with extra lodging and meal costs when covered damage makes your unit unlivable. Check the dollar limit, time limit and covered causes of loss.
Water damage, wind and flood
A sudden plumbing leak and repeated seepage can be treated differently. When water spreads between units, payment depends on the cause, responsibility, association documents and policies involved. Check water exclusions and any separate backup coverage.
Wind and hail terms can differ from rising-water flood coverage, particularly near the coast. Check the unit-owner and master policies for exclusions and separate deductibles. Flood generally requires separate coverage.
How much condo insurance do you need?
Compare quotes using the same interior, belongings, liability and loss assessment limits, plus deductibles and loss-of-use terms. Bring these details for a review:
Renting the unit to tenants calls for a landlord coverage review. If you are the tenant rather than the unit owner, start with renters insurance.
- The unit address, building age and cost to rebuild the interior you must insure
- Association governing documents and the master policy's coverage and deductibles
- Interior upgrades and an inventory of your belongings
- Your current policy, lender requirements and how you use the unit
Landlord insurance for a unit you rent out Renters insurance for tenants
Independent options. Help as your needs change.
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Condo insurance questions we hear
The association has insurance. Why do I need my own?
The association's policy and your own policy serve different needs. Review the governing documents and master policy to establish your interior responsibilities. Your belongings, personal liability and additional living expenses need their own review; loss assessment does not cover every association shortfall.
What does walls-in actually mean?
Walls-in is a shorthand description, not a uniform coverage promise. Check whether your responsibilities include drywall, cabinets, flooring, fixtures and improvements, then compare that with the unit-owner policy. Master-policy terms and association documents vary.
How much does condo insurance cost in Texas?
The premium depends on the unit's location, building age and condition, claims history, coverage limits and deductibles. Interior rebuilding responsibilities under the master policy affect the limit you need. Compare equivalent coverage before choosing on price.
My unit is a rental. Same policy?
Tell us whether you live in the unit, rent it to tenants or use it for short-term stays. Those uses can require different coverage. A landlord's policy does not replace a tenant's renters insurance, and short-term rentals need a separate review.
Is flood covered?
Condo insurance generally excludes rising-water flood damage. Review separate flood coverage for your unit and belongings alongside any association flood policy. The building's policy does not automatically cover everything you own.
Water leaked from the unit above me. Whose insurance pays?
It depends on the cause, the association documents, responsibility for the damage and the policies involved. Review sudden leaks, repeated seepage and any water exclusions separately. Bring the master-policy details and your own policy so the differences can be explained.
Review your condo coverage with our Texas team
Bring your association documents and current policy, if available. A licensed team member will help you compare responsibilities, limits, deductibles and available options.
Stover & Crouch Insurance Madisonville, Texas, since 1920