Condominium Insurance
Condominium Insurance That Fits How Condos Actually Work
Understanding the Two-Policy Picture
Condo insurance works differently than homeowners insurance. Coverage is split between:
The HOA master policy
Your individual unit owner (HO-6) policy

Knowing where one ends and the other begins is critical to avoiding claim surprises.
What Condo Insurance (HO-6) Typically Covers
A unit owner policy commonly includes:
Your coverage should reflect how your HOA's master policy is written-not assumptions.
Interior dwelling coverage (walls-in or improvements)
Personal property
Personal liability
Loss of use
Loss assessment coverage (limits vary)
What to Confirm Before Quoting a Condo Policy
Before choosing limits, it's important to review:
HOA master policy type (walls-in vs. all-in)
Responsibility for deductibles
Coverage for upgrades and improvements
Assessment rules after large losses
We help interpret these documents so coverage aligns correctly.
Loss Assessment Coverage Explained
Loss assessment coverage helps when the HOA passes shared costs to unit owners after a covered loss-often tied to large deductibles or uncovered portions of a claim.

Planning for this upfront can prevent unexpected expenses later.
Texas Weather Realities for Condo Owners
Wind, hail, and water losses are common across Texas. Master policy deductibles and coverage triggers can affect unit owners differently depending on association structure.

We help ensure your HO-6 policy accounts for these realities without over- or under-insuring.
Serving Condo Owners in Plano and Across Texas
We regularly work with condo owners in Plano, North Dallas, and nearby communities-along Legacy West, Downtown Plano, and commuter corridors tied to DNT and US-75-while serving clients statewide.
Coordinate Condo Coverage With Your Bigger Picture
Condo insurance often works best when coordinated with liability and umbrella protection.
Get Clear, Lender-Ready Coverage
If you're buying, refinancing, or reviewing your condo insurance, we'll help make sure documentation and coverage meet both HOA and lender expectations.
