Condo Insurance Quotes
Bee Cave Insurance Agency
Your condo insurance protects more than just your walls — it safeguards your portion of the building structure, personal belongings, and personal liability in case of accidents or damage.
At Bee Cave Insurance Agency, we compare quotes from multiple A-rated insurance companies to find the best coverage and value for your needs. We also bundle your condo and auto insurance for maximum discounts and convenience. Ask about our Open Peril condo policies that offer better protection and peace of mind. Our mission is simple — to provide Better Coverage, and Better Service for every client we serve. Call now to speak with a local, licensed insurance professional and discover how we can help protect your home and lifestyle today.
Condo Insurance Coverages
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Condo building - covers your part of the condo structure where the HOA insurance stops providing coverage.
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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.
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Liability - covers personal liability issues due to your negligence, and can include both bodily injury & property damage.
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Medical payments - pays medical expenses for guests that are injured on your property.
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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 water damage.
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Loss assessment - pays your share of an HOA assessment from damage by a covered loss.
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Sewer & Water backup - pays for sewer and water that backs up from drain lines.
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Water damage - pays for the damage to your property resulting from the rupture of water lines in your home.
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Mold damage - pays for the remediation and replacement of your property damaged by mold after a covered water loss.
Frequently Asked Questions
Which condo insurance is best?
The best condo insurance policies in Texas include “open peril” coverage, offering broader protection for your home. At Bee Cave Insurance Agency, we make it easy to compare policy options, limits, and coverage differences so you can make an informed decision with confidence.
What type of condo insurance do I need?
The right policy depends on who occupies your condo:
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HO-6 Policy – for condo owners who live in the unit.
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Landlord Policy – for condo owners who rent their unit to tenants.
We’ll help you select from multiple top-rated insurance companies to find the best fit to protect your family, home, and investment.
How much condo insurance do I need?
A condo policy typically includes three major coverage areas:
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Building Property – covers your portion of the condo structure where the HOA’s master policy ends.
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Personal Property – protects your belongings inside the unit.
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Personal Liability – provides financial protection if someone is injured or property is damaged accidentally.
We’ll help you estimate the proper replacement cost, customize your coverage, and review your policy each year to ensure your protection keeps up with life’s changes.
Are you near me? Yes! We're located West of Austin, Texas in the Bee Cave & Lakeway areas. Local zip codes include: 78738, 78734, 78733, 78735, 78746, 78620, 78657, 78669.
How much does condo insurance cost?
Condo insurance premiums vary based on factors including:
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Location and age of the condo
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Exterior construction type
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Insurance score and coverage limits
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Available discounts
We’ll help you find the right balance between quality coverage and affordable cost — protecting one of your biggest assets without overpaying.
Where should I buy condo insurance?
Online insurance platforms are convenient, but buying coverage without guidance can lead to gaps in protection that may cost thousands at claim time. At Bee Cave Insurance Agency, we make the process simple and stress-free — providing expert advice, customized quotes from multiple
A-rated companies, and personalized service from a local, licensed insurance professional.