ANSWER
For a condo in Texas, you usually need an HO-6 condo policy for your unit’s interior, belongings, liability, loss of use, and loss assessment coverage, plus separate flood insurance if you want protection from rising water. The HOA’s master policy tells you how much interior coverage you need.
YOUR NEXT DECISION
Turn the answer into your next step
- Get the HOA master policy declarations page.
- Choose an HO-6 policy sized to the unit’s interior and your upgrades.
- Add or review loss assessment coverage.
- Ask separately about flood insurance.
- If you have a mortgage, confirm lender flood requirements.
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 GuyWhat policy to buy
Buy an HO-6 condo policy for your unit. In Texas, standard property policies do not cover flood damage, so flood insurance is a separate policy if you need it. The exact HO-6 dwelling limit depends on what your HOA master policy covers, so get that first.
- HO-6 typically covers the interior of your unit, personal property, personal liability, loss of use, and loss assessment coverage.
- Flood is excluded from standard condo and home policies in Texas; ask about an NFIP or private flood policy if you want flood protection.
- If your condo is in a designated flood zone, your lender requires flood insurance.
What to check with the HOA
Ask your association for the master policy declarations page before choosing limits. Master policies can be bare walls, single entity, or all-in, and that changes whether you need to insure only contents and upgrades or more of the unit interior.
- Bare walls policies leave drywall, flooring, cabinets, fixtures, and appliances for you to insure.
- Single entity policies cover the original unit finish but not your upgrades.
- All-in policies cover most built-in components and may reduce how much dwelling coverage you need.
Practical next step
Match your HO-6 dwelling limit to the cost of rebuilding the unit’s interior to its current condition, then add enough loss assessment coverage for any special assessment the HOA could pass through after a claim. Keep flood separate from everything else.
- Request the HOA master policy declarations page.
- Confirm whether the building has flood coverage and whether you need your own flood policy.
- Check the condo’s flood zone status with your lender or flood-mapping source if financing is involved.
Sources
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