Condo Insurance in Texas

Coverage Designed for Condo Living

Owning a condo offers a unique mix of independence and shared community. Whether your unit is in a Dallas high-rise, a townhome-style community in Houston, or a newer building in Austin, your insurance needs are different from those of a traditional homeowner. Aurora Insurance Services helps condo owners throughout Texas find coverage that fills the gaps between their association policy and their own unit.

How Your HOA Policy and Condo Policy Work Together

Most condo associations carry a master policy that covers shared areas such as the roof, hallways, pool, and building exterior. What that master policy includes inside your unit can vary from one association to the next. A condo policy, sometimes called an HO-6 policy, picks up where the association coverage ends.

Here is what a condo policy can help protect.

• Interior walls, flooring, cabinets, and fixtures inside your unit
• Upgrades and improvements you have made
• Furniture, clothing, electronics, and other personal belongings
• Personal liability if someone is injured in your unit
• Loss assessments your association may pass along to owners

Three Steps to the Right Condo Coverage

1. Review your association documents. Your bylaws and master policy show what the HOA covers and what is left to you.
2. Take stock of your unit. Note any renovations and the value of your belongings.
3. Talk with an independent agent. We compare condo policies from several insurance companies and explain each option clearly.

Renting out your unit instead of living in it? Your tenants may want to look into renters insurance for their own belongings. Condo owners looking for extra liability protection can also ask about umbrella insurance.

Connect With a Dallas Condo Insurance Agent

We are happy to look over your association coverage with you and help you decide what your own policy should include. Contact us or call 214-217-0900 to speak with a local agent about your condo.