HO-6 condo insurance for Texas condo owners. We review your master policy and build a personal policy that covers the gaps.
Condo insurance — also called an HO-6 policy — is a type of homeowners insurance designed specifically for condominium owners. It covers your personal belongings, interior walls and fixtures, liability, and the gap between your unit and what your condo association’s master policy covers. Without condo insurance, you could be personally responsible for tens of thousands of dollars in damage to your unit’s interior.
Your condo association carries a master insurance policy that typically covers the building’s exterior, common areas, and shared structures. But this policy does not cover anything inside your unit — your furniture, appliances, flooring, cabinets, countertops, and personal belongings are your responsibility. Condo insurance fills that gap.
Hayslip Insurance Group helps condo owners across the Greater Houston area understand exactly what their master policy covers and what they need to insure themselves. We review your association’s coverage and build a personal policy that protects you completely.
COVERAGE TYPES
An HO-6 condo insurance policy includes several key coverage types.
Covers your furniture, electronics, clothing, and other belongings against theft, fire, water damage, and other covered perils.
Covers cabinets, countertops, flooring, built-in appliances, plumbing fixtures, and interior walls — everything inside the studs that the master policy may not cover.
Protects you if someone is injured inside your unit or if you accidentally damage someone else's property. Covers legal defense costs and settlements.
If your HOA's master policy does not fully cover a building-wide claim and the association levies a special assessment, this coverage helps pay your share.
Pays for temporary housing and additional living expenses if your condo becomes uninhabitable due to a covered event.
Covers medical expenses for guests injured in your unit, regardless of fault. A small but important coverage that helps avoid lawsuits.
Before purchasing condo insurance, it is essential to understand what your HOA’s master policy covers. There are two common types:
We review your master policy to identify exactly where the association’s coverage ends and your responsibility begins. This ensures you do not overpay for duplicate coverage or leave dangerous gaps.
COMMON QUESTIONS
Answers to the most common questions about condo insurance in Texas.
GET STARTED
We review your master policy and build a condo insurance plan that covers the gaps. Free quotes, no obligation.
