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Offices in Houston, Baytown, and Pasadena Texas.
AGENCY LICENSE # 3664
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Four questions to consider when choosing a condominium insurance policy:
Condominiums 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 overage. 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 injures or damage to people or property that the condo owner would be liable for.
1. 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.
2. Does the policy you are considering include broad water damage coverage for problems such as sewer and drain back-ups?
3. Does your condo association provide comprehensive or blanket coverage to protect you against other condo owners who may not have adequate coverage?
4. Do you have expensive personal items such as jewelry or furs that you may need additional personal property coverage for?
We represent many insurance carriers
We will use every resource to secure the proper coverage at the most competitive prices available. Rest assured that we only represent companies we feel offer top notch service and claims handling
Click the above button to request a bundled quote for your Auto and Condo Insurance and start saving.
Just Renting? It's still important to cover your property and most discounts still apply. Click above button for Renters Quote.
You can realize substantial savings by insuring your condo, auto, and/or motorcycle together.
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About Condo Insurance
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Condominium insurance
Harris County Insurance
Metro: 1-713-641-1234
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Deer Park1-281-479-5248