Understand what the condo association covers—and what is yours to protect.
Condominium insurance (HO-6) is unique because it must bridge the boundary between your association’s master policy and your personal interior space. Eric Blazej helps Texas unit owners understand where HOA coverage ends and where your individual coverage begins.
The line between the HOA master policy and your unit
Every Texas condo community operates under bylaws and a commercial master policy. Master policies are typically structured as "bare walls" (covering only the structural framing and common areas), "single entity" (covering original interior fixtures), or "all-in" (covering original fixtures plus improvements).
As a unit owner, your HO-6 policy must be tailored to fill the remaining gaps: interior drywall, flooring, upgraded cabinetry, appliances, your personal belongings, qualifying loss of use, and personal liability.
When a covered loss impacts common areas or master policy deductibles exceed HOA reserves, associations may issue special assessments to unit owners. An HO-6 policy with properly selected loss assessment coverage can provide financial protection against qualifying assessments, subject to policy terms and limits.
What Eric helps you evaluate:
- Association master policy structure (bare walls vs. single entity vs. all-in)
- Unit interior building property limits (additions, alterations, betterments)
- Personal property replacement cost limits for your furnishings and belongings
- Loss assessment limit recommendations aligned with master policy deductibles
- Personal liability limits and coordination with Personal Umbrella
- Closing deadlines and mortgage lender certificate coordination
How the Fortify360 Protection Review works here
Discover
Review the unit, occupancy, association documents, current policy, belongings, and timing.
Compare
Explore suitable options available through supported Texas condo insurance carriers.
Explain
Clarify material differences in limits, deductibles, provisions, exclusions, and cost.
Implement
Coordinate the selected application and carrier or lender requirements.
Review
Revisit coverage after association changes, renovations, purchases, or renewal.
What to have ready
- •Texas condo address, unit number, and ZIP code
- •Purchase, closing, renewal, or desired effective date
- •Association master-policy summary or certificate, when available
- •Relevant bylaws or responsibility guidelines from HOA
- •Current declarations and a basic inventory of higher-value belongings
Condo carrier options
Available Condo options may include:
Availability is not guaranteed for every unit, building, association, or applicant; location, building characteristics, occupancy, master-policy structure, eligibility, and underwriting vary.
Frequently Asked Questions
Addressing Texas condominium unit-owner insurance concerns.
Does the association's policy cover everything inside my unit?
Not necessarily. Responsibilities depend on the association documents, master policy, unit-owner policy, and loss facts. Gather those documents so Eric can help identify the questions to compare.
What is loss-assessment coverage?
It is a policy provision that may apply to certain assessments by an association when the policy terms and loss circumstances are satisfied. Limits, deductibles, causes of loss, exclusions, and conditions vary.
Should I share association documents before requesting a quote?
If available, they can help clarify the master-policy structure and unit-owner responsibilities. Use our secure document process, not a general unencrypted message field.
Does a quote bind coverage for closing?
No. Coverage must be formally confirmed through the carrier process. Share your closing date and confirm the lender’s requirements before relying on any document.
Start your condo quote.
Use the dedicated condo form and include your purchase, renewal, or effective-date timing.
All Fortify360 insurance products and services are offered exclusively in Texas by Eric Blazej (TDI #3517967, NPN #22274526). Product, carrier, pricing, eligibility, underwriting, and coverage availability varies by applicant, unit, building, association, occupancy, and location. Association documents, master-policy terms, individual policy terms, and carrier documents control. A form or quote does not bind, issue, change, renew, or cancel coverage.