Condo insurance generally protects the parts of a unit the owner is responsible for, along with personal belongings and liability, while homeowners insurance typically protects the entire house and other structures. An HO-6 condo policy may address interior walls, fixtures, cabinets, improvements, and belongings after a covered loss. The association’s master policy may protect other portions of the building and common areas. Because master policies differ, condo owners should review the association documents before selecting coverage. Limits, deductibles, exclusions, and the unit owner’s responsibilities determine how protection applies.
Central Texas condo owners should compare their HO-6 policy with the association master policy and governing documents.
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How is condo insurance different from homeowner's insurance?
Owning a condo does not mean the association's insurance protects everything inside your unit.
Condo insurance generally protects the parts of a unit the owner is responsible for,
along with personal belongings and liability, while homeowner's insurance typically protects
the entire house and other structures. An HO6 condo policy may address interior walls,
fixtures, cabinets, improvements, and belongings after a covered loss.
The association's master policy may protect other portions of the building and common areas.
Because master policies differ, condo owners should review the association documents before
selecting coverage. Limits, deductibles, exclusions, and the unit owner's responsibilities
determine how protection applies. Central Texas condo owners should compare their HO6 policy with
the association master policy and governing documents. Funk Family Agency can help you
condo insurance coverage and understand how it differs from homeowner's insurance.
