Texas condo living spans high-rise towers in Dallas, Austin, and Houston to low-rise communities across the suburbs. But no matter how new your building or how robust your HOA's insurance, there's almost always a coverage gap that only an HO-6 policy can fill. The Robert Wilson Agency helps Texas condo owners identify these gaps and close them — before a claim reveals them.
What Is Condo Insurance (HO-6)?
Condo insurance — also called an HO-6 policy — is specifically designed for condominium unit owners. Unlike a traditional homeowners policy, an HO-6 is built to complement your condo association's master insurance policy, covering the gaps it leaves behind.
Understanding how HO-6 and your HOA master policy work together is critical to ensuring you're fully protected. The Robert Wilson Agency reviews both policies with every condo client to identify and close coverage gaps.
What Does Condo Insurance Cover?
Your condo association's master policy almost certainly does not cover your personal belongings, any improvements you've made to your unit, or your personal liability. Without an HO-6 policy, you're personally exposed for all of these. Many Texas condo owners discover this gap only when they file a claim.
Understanding Your HOA Master Policy Type
The type of master policy your condo association carries determines exactly how much dwelling coverage you need in your own HO-6 policy. There are three types:
| Master Policy Type | What HOA Covers | What Your HO-6 Must Cover |
|---|---|---|
| Bare Walls-In | Exterior shell & common areas only | All interior fixtures, walls, floors, cabinets, appliances |
| Single Entity (Original Specs) | Exterior + original interior fixtures | Your upgrades and improvements above original specs |
| All-In (All Inclusive) | Exterior + all interior fixtures & improvements | Personal property and betterments you added |
We review your HOA's master policy documents at no charge and design your HO-6 to perfectly complement it — so you're never paying for duplicate coverage or leaving gaps.
Texas condo associations have raised master policy deductibles sharply in recent years — often to $25,000 or more, and many now carry a separate percentage deductible for wind and hail. Your HO-6 loss assessment coverage is your protection if you're assessed for your share after a major storm. We recommend higher assessment limits than the default for Texas condo owners.
Not sure what your HOA's master policy covers?
We'll review it with you and build your HO-6 to fill the gaps exactly. No charge, no obligation.
Texas Condo Communities We Serve
The Robert Wilson Agency serves condo owners across Texas — from Dallas–Fort Worth mid-rises to Gulf Coast properties. We understand the coverage considerations specific to Texas condo living:
- Gulf Coast condos: Wind, salt air, and flood exposure require careful policy design, and coastal wind coverage may run through TWIA. We make sure your HO-6 coordinates with wind and flood policies where applicable.
- 55+ communities: Texas has a large and growing active-adult population. We design policies that reflect lower risk profiles while ensuring comprehensive liability protection.
- High-rise buildings: Pipe bursts and water damage from neighboring units are common causes of condo losses. We recommend generous personal property limits and ensure water backup coverage is included.
- Older buildings and conversions: Aging plumbing and common systems raise the odds of water losses between units. We verify coverage adequacy for units in older Texas buildings.
Frequently Asked Questions — Texas Condo Insurance
An HO-6 condo policy covers your personal property, interior dwelling (from the studs inward, depending on your HOA's master policy type), personal liability, loss of use, and loss assessment. It fills the critical coverage gap left by your condo association's master policy, which covers only common areas and the building exterior.
Yes — absolutely. Your HOA's master policy protects the building and common areas, but it does not cover your personal belongings, your liability, or your interior improvements. If your unit is damaged by fire or your guest slips and falls inside your condo, you'd be personally responsible for all costs without an HO-6 policy. Most mortgage lenders and many HOAs require proof of HO-6 insurance.
Texas condo insurance typically runs $500–$1,200 per year for a standard HO-6 policy with adequate limits. The cost depends on your unit size, coverage amounts, deductible, your HOA's master policy type, and your building's wind/hail exposure. Bundling with your auto insurance through the Robert Wilson Agency can reduce your overall costs significantly.
Loss assessment coverage pays your share if your HOA levies a special assessment after a major loss — for example, if a major storm damages the building and the HOA's master policy deductible leaves a shortfall. Given that many Texas HOA master policy deductibles have increased to $10,000–$50,000 — and that hail claims regularly trigger them — loss assessment coverage is an essential add-on for every Texas condo owner.
Protect your Texas condo the right way.
Let us review your HOA's master policy and build a perfect HO-6 to fill every gap.