Condominium Insurance in Katy, TX

Owning a condo comes with unique responsibilities, including securing appropriate insurance.

A condo insurance policy, also called HO-6 insurance, can help provide appropriate coverage for condo owners. At Katy Insurance Agency, we help condo owners understand their coverage options and choose a policy that matches their living space and lifestyle.

What Does Condo Insurance Typically Cover?

While coverage may vary based on your unit’s features, association requirements and personal preferences, a standard condo insurance policy may include the following coverages:

• Personal property coverage may help cover the cost of replacing belongings like furniture, electronics and clothing if they are damaged or stolen.
• Dwelling improvements and upgrades coverage may assist with repairing interior elements such as flooring, cabinetry or lighting.
• Liability coverage may offer coverage if someone is injured inside your unit or you’re responsible for damage to another person’s property.
• Medical payments coverage may help pay for minor injuries sustained by guests in your unit, regardless of fault.
• Loss of use coverage may assist with temporary living expenses if your unit becomes uninhabitable due to a covered incident.
• Loss assessment coverage may help you pay for your share of damage to common areas when your association’s policy doesn’t cover the full cost.

Optional endorsements for high-value items, water backup or flood coverage, or identity theft restoration may be available.

What Should You Prepare When Requesting a Quote?

To get started, it’s helpful to gather the following information:

• A copy of your condo association’s master insurance policy
• The estimated replacement value of your personal belongings
• Details about any upgrades made inside the unit
• Coverage required by a lender or HOA agreement

Contact Us Today

Katy Insurance Agency helps condo owners throughout Katy, TX secure condo insurance at favorable rates. Contact our office today to request a quote or speak with an agent about your coverage needs.