- HO-6 condo quotes, multiple carriers
- Loss assessment coverage included
Texas Condo Insurance (HO-6)
Your HOA insures the building. You insure everything inside it. And the gap between the two matters.
- Interior coverage: fixtures, finishes, improvements
- Personal property, personal liability, loss of use
- Loss assessment coverage for HOA shortfalls
- We help decode your HOA master policy first
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Free, no obligation. Master policy walkthrough included.
Trusted by Texas condo owners since 1983
Condo placements since 1983
Real HO-6 quotes side by side
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Renewals, claims, and questions
The single most important thing about condo coverage
Where the HOA's policy ends and yours begins depends on which of three master policy types your HOA carries.
Most condo owners never ask their HOA which master policy form they carry, but the answer determines exactly where your personal HO-6 responsibility starts. The three common forms move that boundary to very different places.
- Broadest owner responsibility
Bare Walls-In
The HOA insures only the raw studs, subfloor, and shared building structure. Everything inside your unit’s walls is your problem.
Foundation, roof, exterior walls, structural framing, shared building systems, common areas.
Drywall, flooring, cabinets, countertops, plumbing fixtures, light fixtures, appliances, everything inside the framed walls.
Your HO-6 needs the largest interior coverage limit. A single burst pipe or fire could hit tens of thousands in interior work.
- Middle ground
Single Entity (Standard)
The HOA insures the original fixtures and finishes as originally built. Any improvements or upgrades you’ve added are your responsibility.
Everything up to original builder specifications: original cabinets, flooring, fixtures, and structure.
Any upgrades, remodels, or improvements above original spec: granite counters, hardwood floors, updated fixtures, plus your personal property and liability.
Your improvements coverage matters a lot. If you renovated, you need a policy that specifically covers those upgrades.
- Least owner responsibility
All-In (Modified)
The HOA insures original fixtures plus improvements. Your HO-6 mainly covers what you own personally and your liability.
Structure, fixtures, and most improvements to the unit (as defined by the master policy).
Personal property (furniture, electronics, clothing), personal liability, loss of use, and coverage gaps or exclusions in the HOA policy.
Your HO-6 is smaller and less expensive, but you still need one. Personal property, liability, and loss assessment still fall to you.
Loss Assessment: the coverage most condo owners miss
When the HOA has a claim that exceeds their master policy limit, or falls in an exclusion, they can assess unit owners to make up the difference. A single hurricane, major water event, or liability claim on the common areas can result in a special assessment of thousands of dollars per unit. Loss assessment coverage on your HO-6 responds to this. Standard limits are often too low for the assessments that actually happen, so this is worth reviewing on every condo policy.
What condo insurance covers
The core coverages inside a standard HO-6 policy.
Condo insurance is structured like a homeowners policy but scoped for unit ownership. Here are the coverages inside a typical HO-6.
Interior / Improvements
The interior of your unit including drywall, flooring, cabinets, and improvements you’ve added. The exact scope depends on your HOA master policy form.
Personal Property
Your belongings inside the unit: furniture, electronics, clothing, appliances you own. Sub-limits apply to jewelry, art, and other high-value items.
Personal Liability
Legal defense and settlement if you’re responsible for injuring someone or causing damage to another unit or common area.
Loss of Use
Hotel, meals, and temporary housing if a covered loss makes your unit uninhabitable while repairs happen.
Loss Assessment
Coverage for special assessments the HOA levies on unit owners after a major claim that exceeds the master policy limit. Often more important than owners realize.
Medical Payments
Smaller medical bills for guests injured in your unit, paid without regard to fault. Typically a small default limit.
Why work with Aimbest
Condo coverage is harder than it looks. That's exactly why the broker matters.
A condo policy that fits the HOA master form is very different from a policy that doesn’t. As an independent broker, we take the extra step of reading the master policy declarations before quoting, so your HO-6 is scoped correctly. That’s how you avoid the two most common condo coverage mistakes: overpaying for coverage the HOA already provides, or underinsuring the interior your HOA doesn’t cover.
We help you read the master declarations before we quote your HO-6.
Real HO-6 quotes across multiple Texas condo carriers.
Renewals, HOA transitions, and claims all handled by the same person.
"Our HOA had a major water loss on the roof that exceeded their limit. Aimbest had us covered with the right loss assessment amount, so our share was paid, not out of pocket."
How it works
From quote request to bound policy, four steps.
Share your unit details and, if available, a copy of the HOA master policy declarations page.
We identify Bare Walls-In vs Single Entity vs All-In, so your HO-6 matches the gap.
Multi-carrier HO-6 quotes with interior, personal property, liability, and loss assessment limits scoped for your building.
Choose your policy. Same advisor handles renewals, HOA changes, and claims.
Common questions
Condo insurance, answered.
My HOA has insurance. Do I really need my own?
Yes. The HOA’s master policy covers the building structure, common areas, and (depending on the form) some or all of the fixtures inside your unit as originally built. It does not cover your personal belongings, your liability as a unit owner, your temporary housing if displaced, or the improvements you’ve added over original spec. It also doesn’t respond to special assessments the HOA might levy on unit owners after a major claim. That’s what your HO-6 is for.
How do I find out what type of master policy my HOA has?
You can ask your HOA property manager for a copy of the master policy declarations page. It usually indicates the coverage scope with terms like “bare walls-in,” “single entity,” “walls-in,” “all-in,” or “modified.” The declarations also list the master policy deductible, which matters because major claims can trigger assessments to unit owners. If you’re not sure, share what you have with us and we’ll help you interpret it before we quote your HO-6.
What is loss assessment coverage and why does it matter?
When the HOA has a covered claim that exceeds their master policy limits or falls in an exclusion, they can levy a special assessment on all unit owners to cover the shortfall. A single major water event, hurricane damage, or liability claim on common areas can result in per-unit assessments of thousands of dollars. Loss assessment coverage on your HO-6 pays your share of that assessment up to the coverage limit. Because default limits (often $1,000 to $5,000) are frequently too low for actual assessments, we usually recommend increasing this coverage significantly.
Does condo insurance cover water damage from another unit?
Standard HO-6 policies typically cover sudden and accidental water damage to your unit, including damage caused by water from another unit (like a burst pipe upstairs). Whose insurance ultimately pays and who is responsible for the deductible depends on the source of the loss, the HOA bylaws, and the specifics of each policy. This is where having a broker matters: we help sort out coverage and subrogation questions when losses come from outside your unit.
What about flood, hurricane wind, and hail on my condo?
Standard HO-6 policies (and HOA master policies) exclude flood damage from rising water outside. Condo owners in Texas coastal or flood-prone areas typically need a separate flood policy for the interior of the unit and contents. Hurricane wind and hail damage is typically covered by the HOA master policy for the building structure, but interior damage caused by wind or hail may fall to your HO-6 depending on the master policy form. We walk through both.
I'm renting out my condo. Do I still need HO-6?
If you own a condo but rent it to a tenant, you likely need a landlord/dwelling policy structured for a condo unit rather than a standard HO-6. This is a similar situation to homeowners moving out and renting: the occupancy status changes what policy fits. We can walk through your specific situation and recommend the right structure, whether that’s a modified HO-6, a dwelling-fire policy for the unit, or a specialty condo landlord product.
Related coverage
What pairs with condo insurance.
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Get your Texas condo (HO-6) quote in minutes.
Free, no obligation. We read the HOA master policy first so your HO-6 fills the actual gap.