CONDO INSURANCE

Condo Insurance: Protection for Your Piece of Home

Just like most homeowners have home insurance, condo owners need protection, too. Condo insurance — also called HO-6 insurance — is designed for people who own a condo within a larger community or shared building.

It helps cover losses from events like fire, theft, vandalism, or accidents inside your personal space. It can also protect improvements you’ve made and personal belongings inside your condo.

While your condo association likely has its own policy, that coverage usually stops at the walls — meaning you’re responsible for protecting everything inside your home.

At CasaBlanca Insurance, we help Texans understand where their condo association’s coverage ends and where their personal protection should begin.

Understanding the Basics

Condo insurance works much like other property insurance policies: you pay a monthly or semi-annual premium in exchange for protection against covered damages or losses.

Most condo associations carry a master insurance policy that covers shared spaces like hallways, lobbies, elevators, and the building’s exterior. However, those policies don’t extend to your personal belongings, interior walls, or liability if someone is injured inside your condo.

That’s where your individual condo insurance policy comes in — to make sure your personal property, liability, and any upgrades or improvements are fully covered.

What a Condo Policy Covers

Your condo insurance can be customized to match your needs, but most policies include coverage for:

• Personal Belongings: Furniture, clothing, electronics, and valuables inside your condo.

• Interior Structures: Cabinets, flooring, fixtures, and other improvements you’ve made.

• Liability Protection: Covers medical expenses or legal costs if someone is injured in your condo.

• Additional Living Expenses: Helps pay for temporary housing if your unit becomes uninhabitable after a covered loss.

• Detached Structures: Garages or small storage areas you personally own, if applicable.

Some policies may even include optional coverage for flooding or high-value items, depending on your location and needs.

Why Condo Insurance Matters

Your condo association’s insurance is there to protect the building — not your home within it. Without your own policy, you could be left covering costly damages or replacing belongings out of pocket.

A condo policy fills in those gaps and gives you peace of mind knowing that your personal space and possessions are protected.

Here to Help You Feel at Home

At CasaBlanca Insurance, we make it easy to understand what’s covered, what’s not, and how to customize your policy to fit your condo and lifestyle. Whether you’re a first-time condo owner or simply reviewing your coverage, our agents are here to guide you through every step.

Talk with a CasaBlanca Insurance agent today to make sure your condo — and everything that makes it home — is fully protected.