Condo Insurance

Find Condo Insurance Designed for Texans

Your condo association’s master policy covers shared structures and common areas, but it stops at your unit’s walls. Karen Lynn Wegman Insurance builds condo coverage specifically for Texas condo living, closing the gap the master policy leaves behind.

What Condo Insurance Can Cover

• Interior coverage for walls, floors, cabinets, and fixtures inside your unit
• Personal property coverage for furniture, electronics, and belongings
• Liability protection if someone is injured inside your unit
• Loss assessment coverage if the HOA charges owners for a shared claim
• Additional living expenses if your unit becomes unlivable after a covered loss

Understanding the Gap Between Your Policy and the Master Policy

Master policies vary widely between associations. Some cover only the building’s exterior structure, while others include some interior elements. Reviewing your HOA’s master policy alongside your own condo policy helps make sure nothing falls through the cracks.

Loss Assessment Coverage Explained

If a covered loss affects common areas and the master policy does not fully cover it, your HOA may bill each owner for their share of the cost. Loss assessment coverage on your condo policy can help cover that unexpected bill.