Condo Insurance in Texas
Owning a condo brings two sets of insurance questions: what the association's master policy covers, and what you need for your own unit, belongings and liability. Bring the governing documents and master-policy details so we can review where your responsibilities begin.
The master policy and your policy
The association's master policy generally covers the building's structure and shared spaces: the roof, the exterior, hallways, amenities. Your condo policy picks up where it stops: your belongings, your liability, often the interior of your unit, and your share of certain association losses. Where exactly the handoff happens varies by association, and it is written in your governing documents, not in anyone's assumptions.
Some master policies stop at the studs, leaving cabinets, flooring, and fixtures to you. Others cover more. The answer changes what your policy needs to do, which is why we ask to see the documents rather than guessing.
The pieces of a condo policy
The interior
If the master policy stops at bare walls, everything from the drywall in, cabinets, counters, floors, is yours to insure. A kitchen remodel raises that number more than people expect.
Your belongings
Furniture, clothes, electronics, and the rest of what you own. A phone camera walk through the unit is the honest way to size it.
Liability
A guest hurt in your unit, or damage that starts in your unit and spreads to a neighbor's. Shared walls make this coverage matter more, not less.
Assessments
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.
Water is the condo claim
Ask anyone who manages condos: water finds its way between units. A supply line lets go upstairs and three units feel it. Whose policy answers depends on where it started, what the documents say, and what coverage each owner carries. It is exactly the scenario worth talking through before it happens, and note that rising floodwater from outside is a separate flood policy entirely, same as any home.
What to have ready
The documents do the heavy lifting on this one.
- The unit address and roughly what a redo of the interior would cost
- Your association documents, or at least the name of the association
- Any upgrades since the unit was built
- Your current policy, if you have one
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Condo insurance questions we hear
The association has insurance. Why do I need my own?
The master policy covers the building and shared spaces. Your belongings, your liability, usually your unit's interior, and your share of association shortfalls are yours. The documents say where the line sits, and your policy should be built against them.
What does walls-in actually mean?
It is shorthand for what your policy covers when the master policy stops at the structure: interior walls, flooring, cabinets, fixtures, and everything inside the unit. How far in the master policy reaches varies by association.
What is loss assessment coverage?
Loss assessment coverage may help with your share of an eligible association loss. It does not pay every assessment. Review the cause of loss, coverage limit, exclusions and how a master-policy deductible assessment is treated.
My unit is a rental. Same policy?
No. A unit you rent out needs landlord style coverage, and your tenant needs renters insurance for their belongings. Tell us how the unit is used and we will set up the right form.
Is flood covered?
Rising water from outside is not covered by condo policies or master policies as a rule; it needs a separate flood policy. If the building sits low, it is worth the same conversation as on any home.
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.
Bring the documents, we do the reading
Send us the association documents and tell us about the unit. A licensed agent sets the policy against what the master policy actually does.
Stover & Crouch Insurance Madisonville, Texas, since 1920