PERSONAL INSURANCE · TEXAS
Texas Condo Insurance
Your condo association’s master policy and your own unit-owner policy protect different things. BIG - Brock Insurance Group helps Texas condo owners compare coverage around the unit, belongings, and liability.
Start with the association’s master policy
The master policy may cover the building and common areas, but its boundaries vary. Your own policy can address eligible interior improvements, belongings, personal liability, and sometimes loss assessments. BIG can help you compare the two policies so you understand potential gaps and deductibles.
We serve Texas condo owners from Friendswood and New Braunfels. Send the association documents if you have them, or start with the unit ZIP code.
Inside the unit
Review walls, flooring, built-ins, and upgrades. What you insure depends on the association’s documents and policy.
Belongings and liability
Compare coverage for furniture, electronics, valuables, and covered claims if someone is injured or property is damaged.
Loss assessments
Ask whether your policy has an assessment limit and when it applies. Association deductibles and exclusions deserve a closer look.
Questions condo owners ask
Does the master policy cover everything inside my unit?
Not necessarily. The declaration, bylaws, and master policy define what the association insures and what falls to the unit owner.
What if the association charges owners after a claim?
A loss-assessment provision may help for certain covered assessments, subject to policy terms and limits. Review the specific situation with an agent.
What to have ready
- Unit address and approximate value of belongings and upgrades
- Association insurance summary, master policy, or bylaws if available
- Any lender requirements and current condo policy
- Questions about shared structures or water damage
Coverage depends on the policy, association documents, and endorsements. If you rent your unit to others, tell us before we quote.