Condo Insurance

from Bee Cave Insurance Agency

Condo insurance covers your part of the building structure, personal property, personal liability, and more. Call now for quotes from multiple A rated companies. We’ll bundle your policy with auto insurance for maximum discounts and find the best fit for your family. Ask about our condo policies that include Open Peril coverage.

Our goal is to provide our clients with Better Coverage, Service & Rates. 

Call / Text Now To Work With A Local Licensed Insurance Professional

Condo Insurance Coverages

  • Condo building - covers your part of the condo structure where the HOA insurance stops providing coverage.

  • Personal property - covers your electronics, clothing, furniture, and other items in your home. There are usually limitations for theft of jewelry, fine arts, furs, silverware, and business property. Be sure to ask for replacement cost coverage, and open peril coverage is also available for more comprehensive coverage.

  • Liability - covers personal liability issues due to your negligence, and can include both bodily injury & property damage.

  • Medical payments - pays medical expenses for guests that are injured on your property.

  • Loss of use - pays your additional living expenses if you have to move out of your home while repairs are completed due to a covered loss like fire or wind damage.

  • Loss assessment - pays your share of an HOA assessment from damage caused by a covered loss.

  • Sewer & Water backup - pays for sewer and water that backs up from drain lines.

  • Water damage - pays for the damage to your personal property resulting from the rupture of water lines in your home.

  • Mold remediation - pays for the remediation of your property caused by mold after a covered water loss.

Frequently Asked Questions - FAQ's

Which condo insurance is best? The best condo insurance policies in Texas include "open peril" coverage. We're here to help you navigate policy differences, limits, and options.

Condo insurance types? The policy type is based on who is living in the condo. The standard HO-6 policy is used when the condo owner is living in the condo, and a landlord policy when the condo is tenant occupied. We have many options to choose from in order to find the best fit to protect your family and home.

How much condo insurance do I need? The main coverages on a condo policy are building property, personal property, and personal liability. Building property usually covers the condo structure at the point where the HOA insurance policy stops. We will help you estimate the replacement cost of your property and provide multiple options to choose from. We review your policies every year, and will help you keep an eye on the big picture. 

How much does condo insurance cost? The cost is different for every condo, but the main rating factors are location, age of condo, exterior construction type, insurance score, and coverage limits & discounts. We'll help you find a good balance between quality coverage for one of your biggest assets and cost.

 

Where to buy condo insurance? Online shopping is becoming more prevalent, but attempting to navigate insurance policies & coverage limits without a licensed professional could cost you thousands at claim time. We have found that many people using online insurance companies end up with inadequate coverage and higher rates. Give us a call, we make finding the right coverage easy and painless.  

 

Condo insurance quote