Call Us Today!  281.240.4070 or 1.888.240.4070

Get Insurance Quotes
Just one click from getting a free insurance quote today!

Chamber of Commerce

image_condosCondominiums and townhouses have special insurance needs. They don't need as much insurance as a house, but owners have more to insure than a renter. The insurance needs for a condo owner include personal property and liability coverage. Special policies for condominium owners, known as form HO-6, will provide the liability and personal property protection a condominium owner needs.

As a condominium owner, one needs to insure not only their personal possessions in the condo, but also any built in units such as cabinets, fixtures, appliances and shelves. In addition to covering the personal property, a condo owner also needs liability coverage. The liability portion of the policy would cover injuries people or damages to another person's property that the condo owner would be liable for.

Below is a checklist of the top four questions to consider when choosing a condominium insurance policy:

  • What are your ownership and insurance responsibilities in the condo association's Master Deed (the insurance requirements the association expects from you)?

Almost all associations have a master policy insurance that covers you for the actual structure and common elements such as a swimming pool or tennis court owned by all unit owners. The association documents and the master policy spell out very specifically where common areas end and where your unit starts. In some cases, for example, your unit may start inside the wallboard. In others, the wallboard may be considered part of your unit.

  • Does the policy you are considering include broad water damage coverage for problems such as sewer and drain back-ups?
  • Does your condo association provide comprehensive or blanket coverage to protect you against other condo owners who may not have adequate coverage?
  • Do you have expensive personal items such as jewelry or furs that you may need additional personal property coverage for?

customer_service_new

insurancepro_button

Does my Homeowners policy have that?

How much do you know about your insurance
policy? Let us explain some of the key things
you need to look for when comparing policies.

Learn more!

Planning for the Upcoming Hurricane Season?

The season is always around the corner and
you should be prepared for the unexpected.
Here is our list of things you should review.

Learn more!

Are you prepared for a fire in your home?

There are many steps you can take to reduce
the chance of a fire in your home. Let us show
you a few things that will help your prevention.

Learn more!

Tips for Buying

Here are a few tips to purchasing
Homeowners insurance.

Find out more

Life Insurance Tips

Life insurance purchasing is hard,
here's some of the top tips to help.

Find out more

Health Insurance Tips

Here are a few key strategies to
help you get the right deal.

Find out more

Storm Safety Tips

When a storm is on the way, we
can help you prepare!

Find out more