ANSWER
A condo owner in Texas usually needs an HO-6 policy for the inside of the unit, belongings, liability, and additional living expenses. You also need to check your HOA master policy and whether flood or wind coverage is separate.
YOUR NEXT DECISION
Turn the answer into your next step
- Confirm the HOA master policy type and what it covers.
- Buy an HO-6 for interior coverage, belongings, liability, and living expenses.
- Ask whether flood coverage is required or separately carried.
- Check whether wind and hail coverage is handled outside the standard policy.
- Review your policy declarations page for limits and deductibles.
HELP WITH YOUR NEXT STEP
Choosing coverage for a specific home?
Guy can review the occupancy, property details and coverage options for your situation.
Review coverage with GuyThe policy to buy for a condo
Texas condo insurance is usually an HO-6 policy. It covers your personal property and the interior of your unit, and it also provides liability protection and additional living expenses if you can’t live there temporarily.
- TDI says condo insurance covers your personal property and the interior of your unit.
- HOA/master policy may cover the building and common areas instead of your unit’s interior.
- Ask for the policy’s declarations page so you can see limits and deductibles before you buy.
What to check with the HOA
The key question is what the association’s master policy already covers. Texas associations may use bare walls, single-entity, or all-in coverage, and that changes whether your HO-6 should focus on interior finishes, upgrades, belongings, and liability.
- Bare walls or studs-out means your HO-6 may need walls-in coverage for interior finishes.
- Single-entity or all-in coverage can shift more of the building finish coverage to the master policy.
- Ask for the bylaws, master policy type, and any maintenance matrix before you bind coverage.
Flood and wind are separate checks
Most home policies do not cover flooding, and flood insurance may be required by a lender in a designated flood zone. For condo projects in special flood hazard areas, the lender must verify the HOA keeps an RCBAP or equivalent master flood coverage; on the Texas coast, wind and hail may also be separate through TWIA in some areas.
- TDI says flood is usually excluded from home policies.
- Fannie Mae requires a condo HOA master flood policy or equivalent in certain flood-zone loan cases.
- TDI says TWIA serves as wind and hail insurer of last resort in Texas coastal counties and parts of Harris County.
Sources
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