ANSWER
For a condo, Texas says you usually need a condo policy, often called HO-6, not a standard house policy. It covers your personal property, the inside of your unit, liability protection, and may include additional living expenses after a covered loss.
YOUR NEXT DECISION
Turn the answer into your next step
- Get the HOA master policy summary before shopping.
- Compare HO-6 quotes for personal property, interior coverage, liability, and loss of use.
- Ask your insurer whether windstorm, hail, and water damage are limited or excluded.
- If declined, confirm whether you meet Texas FAIR Plan requirements.
HELP WITH YOUR NEXT STEP
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Review coverage with GuyWhat policy fits a condo
Texas Department of Insurance says condominium insurance covers your personal property and the interior of your unit, plus liability protection and additional expenses after a covered loss. For unit owners, that’s the core policy to ask for, and it’s commonly called HO-6.
- Match the policy to condo ownership, not a standalone house.
- Ask what part of the interior is yours to insure under the master policy.
- Keep an eye on liability and loss-of-use coverage, since those matter when a loss makes the unit unlivable.
How it works with the condo association policy
The association’s master policy insures at least the building and common elements, and sometimes more depending on whether it is an all-in or bare-walls policy. If it is bare walls, you may need to insure more of the interior finishes and upgrades yourself.
- Ask the HOA what the master policy covers before you buy your own policy.
- Check whether the condo uses all-in or bare-walls coverage.
- Confirm whether improvements and betterments inside your unit are included or excluded.
Texas-specific things to verify
Texas guidance and industry sources point to windstorm, hail, and water-leak risk as important factors for condo coverage in this state. If you cannot get standard coverage, Texas FAIR Plan can provide limited coverage for condos only after you’ve been declined by at least two insurers and not gotten an offer for the same level of coverage.
- Ask about windstorm and hail deductibles before binding coverage.
- Review water-damage terms, especially for leaks and plumbing losses.
- If coverage is unavailable, check the Texas FAIR Plan eligibility steps.
Sources
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