Condo Insurance in Texas
Your HOA master policy usually stops at the drywall. A Texas HO-6 condo policy covers your interior, your belongings, your liability, and the loss assessments an HOA can pass along to you after a building claim.
What condo coverage includes
- Interior walls, flooring, cabinets, and built-in fixtures
- Personal property inside the unit
- Personal liability and medical payments
- Loss assessment coverage for HOA-shared losses
- Loss of use while repairs are made
Why use an independent agent
I'm not captive to one company. As an account executive with Goosehead Insurance, the #1 personal lines brokerage in Texas, I shop your policy across 150+ carriers, explain the trade-offs in plain language, and stay your single point of contact for renewals and claims.
Questions first? Call or text 346-333-0046.
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Condo insurance FAQs
How much is condo insurance in Texas?
Texas HO-6 policies commonly run $400–$900 a year. Where the building sits, your deductible, and how much loss assessment coverage you carry are the biggest drivers.
What does an HO-6 policy cover that my HOA doesn't?
The master policy generally covers the building shell and common areas. Your HO-6 covers the interior finishes, your personal property, your liability, and your share of an HOA deductible or assessment.
Do I need condo insurance in Texas?
Lenders require it if you have a mortgage, and most HOA bylaws require it regardless. Even without either, the master policy leaves your interior and belongings uncovered.
Condo insurance across Texas
I'm licensed statewide (Texas License #3530322) and write condo insurance for clients in Houston, Dallas–Fort Worth, San Antonio, Austin, Corpus Christi, El Paso, Galveston, Lubbock, Amarillo, Waco, Beaumont, Laredo, Brownsville, Abilene, Midland, Arlington, Garland, and Plano — plus every town in between. Same application, same carrier panel, wherever you are in Texas.
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