Condo Insurance in Texas

Condo insurance, often sold as an HO-6 policy, covers your personal belongings inside the unit, interior finishes and improvements you own (such as flooring, cabinets, and built-ins), and your personal liability if someone is injured in your unit or you cause property damage. It does not cover the building exterior, roof, foundation, or shared common areas — those sit on your condo association’s master policy.

In Texas that split matters. Hail, windstorms, and severe thunderstorms routinely damage interiors and personal property even when the association’s walls stay intact, so your HO-6 is what stands between you and out-of-pocket repair and replacement costs for what you own inside the unit.

Steve White Insurance Group helps Texas condo owners match those interior and liability limits to the association’s master policy so gaps between the two policies do not leave you exposed after a storm or a claim.

Your condo policy’s personal property limit should reflect what it would cost to replace your belongings—not what you paid years ago. A higher liability limit can offer more protection if someone is injured in your unit, but it also tends to raise the premium, so balance coverage needs against your budget.

Deductibles work the same way: a higher deductible can lower what you pay each year, yet you will owe more out of pocket after a covered loss. In Texas, some carriers also apply separate deductibles for wind or hail, so it helps to know which events trigger which amount before you buy.

Common add-ons include loss assessment coverage (for your share of a master-policy claim the association passes to owners), water backup or sewer backup, scheduled personal property for high-value items, and extra living expense if a covered loss forces you out temporarily. Condo association master policies typically cover the building structure, not your interior finishes, furniture, or liability inside the unit—so those gaps are what your HO-6 is meant to fill.

Steve White Insurance Group can walk you through these trade-offs across multiple carriers and help you match limits and endorsements to how you live, without steering you toward a one-size policy.

Steve White Insurance Group is an independent agency that has served Texas for 20 years. We shop condo insurance across 13 carriers—AIG, Allstate, AmTrust North America, Centauri, Chubb, Encompass, Germania, National General, Nationwide, Progressive, The Hartford, Travelers, and Universal North America—so you can compare options that fit your unit, HOA master policy, and budget instead of locking into one insurer’s menu.

Because we work for you and not a single company, you get one advocate if a claim arises: someone who already knows your coverage and can help you work with the carrier. Advice stays on your side of the table from quote through renewal.

When you are ready, request a free, no-obligation condo insurance quote from Steve White Insurance Group and we will walk through the limits, deductibles, and add-ons that may fit your Texas condo.