Owning a condo in Texas comes with unique responsibilities. While your condominium association may have a master insurance policy, it often only covers the building’s exterior and common areas, leaving your personal property, liability, and interior unit protection to you. That’s where Galloway Insurance’s HO-6 condo insurance comes in.
What Does Texas Condo Insurance Cover?
Our Texas condo insurance policies provide protection for:
- Personal Property Coverage – Covers furniture, electronics, clothing, and personal belongings in case of theft, fire, or other covered events.
- Interior Unit Coverage – Protects your walls, flooring, built-in fixtures, and any improvements made to your condo.
- Liability Protection – If someone is injured inside your condo, this coverage helps with medical and legal expenses.
- Loss of Use Coverage – Pays for additional living expenses if your condo becomes uninhabitable due to a covered loss.
- Additional Coverage Options – Protection for water backup, identity theft, valuable personal property, and more.
Do You Need HO-6 Condo Insurance in Texas?
While some condo associations in Texas provide partial coverage through a master policy, they often leave interior damages, personal belongings, and liability to the owner. If your unit suffers water damage, theft, or a liability claim, you could be responsible for significant costs without proper coverage.
Why Choose Galloway Insurance?
We take pride in serving local condo owners in Central Texas, including Burnet, Horseshoe Bay, and Marble Falls. Our team understands the unique risks that Texas condo owners face, from severe weather to liability protection.
The Galloway Insurance Difference:
- Expertise – Over 80 years of experience in the Texas insurance industry.
- Here to Help – Personalized service with local agents who answer when you call.
- Community – Investing in Central Texas because we care about our neighbors.
- Relationship-Driven – A long-term commitment to protecting your assets.
- Insight – Understanding the specific needs of Texas condo owners.
Get the Right Condo Insurance Today
Protect your investment with expert coverage. Call Galloway Insurance today or visit our offices for a customized Texas condo insurance policy tailored to your needs.
Contact Our Offices:
Burnet – 512-756-2988
Marble Falls – 830-693-0808
Horseshoe Bay – 830-598-5636
Frequently Asked Questions (FAQs)
What is the difference between condo insurance and homeowners insurance?
Unlike homeowners insurance, which covers the entire structure, condo insurance typically covers only the interior of your unit, while the condo association’s master policy covers the exterior and common areas.
Does condo insurance cover water damage?
Yes, water damage is covered in most condo insurance policies for sudden and accidental incidents like pipe bursts. However, flood damage requires a separate flood insurance policy.
Am I required to have condo insurance in Texas?
While Texas law does not mandate condo insurance, many condo associations require owners to carry personal condo insurance to cover liability and interior property.
Does my condo insurance cover personal liability?
Yes, personal liability coverage protects you if someone is injured inside your condo or if you accidentally cause damage to another unit.
What is loss assessment coverage for condos?
Loss assessment coverage helps pay for special assessments imposed by the condo association to cover damages to common areas that exceed the master policy limits.
How do I file a condo insurance claim?
If you need to file a claim, contact Galloway Insurance directly. You can also visit our Payments & Claims page for direct links to carrier claims portals.