ANSWER
For a condo, you usually need your own HO-6 policy, even if the condo association carries master insurance for the building’s common areas. In Texas, that policy should cover your belongings, the interior of your unit, liability, and additional living expenses after a covered loss.
YOUR NEXT DECISION
Turn the answer into your next step
- Get the condo association’s master policy details before buying your own policy.
- Choose an HO-6 policy that covers your belongings, interior unit coverage, liability, and additional living expenses.
- Ask whether the building is all-in or bare walls.
- Check flood exposure separately if the location warrants it.
HELP WITH YOUR NEXT STEP
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Review coverage with GuyWhat to buy
Buy an HO-6 condominium policy for your unit. Texas guidance says condo insurance covers your personal property and the interior of your unit, plus liability protection and additional living expenses if you have to move during repairs.
- The association’s master policy usually covers the building’s common areas, but not your unit’s individual coverage.
- A standard HO-6 can also cover your belongings, interior finishes, and temporary living expenses after a covered loss.
- Source-backed rule of thumb: verify exactly what the master policy covers before you choose your own limits.
What to check with the condo association
Ask whether the master policy is all-in or bare walls. All-in policies usually cover original fixtures and standard finishes inside the unit, while bare walls policies usually stop at the unfinished interior surfaces and leave more of the inside coverage to you.
- Confirm whether cabinets, flooring, and built-in features are covered by the master policy or by your HO-6.
- Check whether the master policy includes common elements only or also covers some interior unit components.
- If the building’s coverage is limited, you may need higher coverage for improvements and betterments you install.
One extra policy that may matter
Homeowners policies typically do not cover flood damage, so if the condo is in a flood-risk area, you need separate flood insurance. That is a separate decision from the HO-6 policy itself.
- Flood insurance is not included in a standard homeowners policy.
- Texas guidance also notes some coastal wind and hail coverage issues, but those apply to coastal areas, not automatically to a Lubbock condo.
- If you want, the next step is to ask the condo association for the master policy declaration page and exclusions.
Sources
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