Condo Insurance

Condo ownership in Texas cities comes with unique insurance needs that differ from traditional homeowners policies. Condo insurance protects your unit, belongings, and liability while working alongside your HOA's master policy. Whether you own a unit in a Dallas high-rise, an Austin complex, or a McAllen development, understanding your coverage is essential.

Your HOA's master policy typically covers the building's exterior, common areas, and shared structures. Your condo policy covers everything inside your unit from the walls in, including flooring, cabinets, fixtures, appliances, and all your personal belongings. If your kitchen is damaged by a fire or your bathroom floods, your policy handles repairs and replacements that the HOA's insurance won't cover.

Personal property coverage protects your furniture, electronics, clothing, and valuables from theft, fire, and covered damage. Loss assessment coverage is critical—if your condo association faces a significant expense not fully covered by the master policy, like storm damage to the entire building, owners are assessed their share. This coverage protects you from unexpected assessments that could run into thousands of dollars.

Liability protection shields you if someone is injured in your unit or if you accidentally cause damage to neighboring units. Water damage from your unit affecting others below is a common claim in condos, and proper liability coverage protects your assets. Additional living expenses coverage pays for temporary housing if your unit becomes uninhabitable.

Texas condo owners face specific risks from severe weather, water damage, and shared building systems. We review your HOA's master policy to identify coverage gaps and ensure your personal policy provides comprehensive protection. Urban condo living comes with different risks than single-family homes, and your insurance should reflect that reality.