What is Condominium Insurance?
Condominium insurance, also known as condo insurance or HO-6 insurance, is a policy designed specifically for condo owners. It provides coverage for your personal property, interior walls, fixtures, and liability protection. Unlike homeowners insurance, it complements the coverage provided by your condo association's master policy.
Why You Need Condominium Insurance in Texas
Owning a condo comes with its unique set of responsibilities and risks. Condominium insurance ensures you are covered in case of unforeseen events such as:
- Property Damage: Protection against damage to the interior of your unit and personal belongings.
- Theft and Vandalism: Coverage for loss or damage due to theft or vandalism.
- Liability Protection: Financial protection if someone is injured within your condo unit.
- Additional Living Expenses: Coverage for temporary housing if your unit becomes uninhabitable
Schedule an appointment with an expert to talk through the process and find the best coverage for your needs.
What Does Condominium Insurance Cover?
Interior Unit Coverage
Our condominium insurance covers things that the association’s master policy might not. This can include the interior of your condo, including walls, ceilings, and floors. This coverage also extends to built-in appliances, fixtures, and improvements you’ve made to your unit. It’s important to note that the association’s bylaws will determine where their responsibility and master policy ends and where the unit owner’s responsibility begins.
Personal Belongings
Protect your personal belongings such as furniture, electronics, and clothing against theft, damage, or loss. Whether at home or away, your possessions are covered.
Liability Coverage
If someone is injured inside your condo, our insurance provides liability coverage to help cover legal fees, medical expenses, and potential settlements.
Loss Assessment
If your condo association assesses you for a portion of damage to common areas, our loss assessment coverage can help cover those costs.
Additional Living Expenses
If your condo becomes uninhabitable due to a covered event, our policy covers additional living expenses such as hotel stays, meals, and other costs incurred while your condo is being repaired.
Get a free quote.
Ready to protect your condo with TRB Insurance Condominium Insurance? Contact us today for a free, no-obligation quote. Our team is here to answer your questions and help you find the perfect coverage for your home.
At TRB Insurance, we understand the importance of protecting your condo and family. Our team of experienced professionals is committed to helping you find the right Texas condo insurance policy tailored to your unique needs. We offer personalized service, competitive rates, and a range of coverage options to ensure that you have the protection you need. Get a quote for condominium insurance today.