Condo Insurance
Coverage for your unit's interior, belongings, and liability — filling the gap your HOA's master policy leaves behind.
Coverage highlights
- Interior coverage for walls, floors, fixtures, and built-in cabinetry inside your unit
- Personal property coverage for your belongings
- Liability protection if someone is injured inside your unit
- Loss assessment coverage if the HOA levies a shared repair cost
- Additional living expenses if your unit becomes temporarily uninhabitable
Why it matters here
Condo living is common in Houston's Westchase and Galleria-area high-rises, and in communities across Texas — but the HOA's master policy typically only covers the building's shared structure, not what's inside your walls. We help you understand exactly where your HOA's coverage ends and yours needs to begin.
FAQ
What does condo insurance cover that my HOA doesn't?
Your HOA's master policy generally covers the building's exterior and common areas. Condo (HO-6) insurance covers the interior of your unit, your personal belongings, and your personal liability.
Is condo insurance required in Texas?
Texas law doesn't require it, but most HOAs and mortgage lenders do. Even where it's optional, it's inexpensive protection for everything your HOA's policy leaves out.
What is loss assessment coverage?
If the HOA has to levy a special assessment on all owners after a covered shared loss, loss assessment coverage helps pay your share.