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Compare Texas Condo & Townhome Insurance Quotes (HO-6)
Condo underwriting hinges on where your HOA master policy stops. Compare custom Texas HO-6 'walls-in' policies with HOA Loss Assessment protection for hail deductibles and fast mortgage closing binders.
✓ Walls-In Studs Coverage
✓ HOA Hail Loss Assessment
✓ Fannie/Freddie Compliant
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HOA Master Policy Alignment
Calibrated for Bare-Walls, Single-Entity, or All-In Texas condominium declarations.
Loss Assessment Shield
Protects unit owners when an HOA passes down a $5,000–$50,000+ special assessment for a master roof hail deductible.
Mortgage Lender HO-6 Rules
Meets conventional, FHA, and VA walls-in coverage ratios (typically 20% of appraised value when required).
What Texas Condo (HO-6) Insurance covers — and Texas rules to watch
Plain-English underwriting guidance from licensed Texas producers so you never buy blind or miss a critical endorsement.
Core Protections
What’s Covered
- Walls-In Interior Dwelling (Coverage A): Covers drywall, hardwood/tile flooring, custom cabinetry, quartz countertops, built-in appliances, bathroom fixtures, and interior remodels.
- Personal Property Replacement Cost (Coverage C): Covers your furniture, electronics, art, and wardrobe at full retail replacement cost.
- HOA Loss Assessment Coverage: Pays your unit's share when the condominium association levies an assessment for covered master-policy property damage (such as a large Texas hail deductible) or common-area liability.
- Personal Liability & Neighbor Water Damage: Defends and pays if your washing machine hose, water heater, or toilet overflows into units on floors below you.
- Loss of Use / Temporary Living (Coverage D): Covers rent and hotel expenses if building fire, smoke, or pipe damage displaces you.
- Unit Rented to Others Endorsement: Optional add-on if you lease your Texas condo long-term or seasonally with HOA permission.
Texas Underwriting Watch-Outs
Exclusions, Deductibles & Endorsements
- The Texas HOA Master Wind/Hail Deductible Trap: Many DFW, Austin, and Houston condo associations now carry 2%–5% master wind/hail deductibles ($100k–$500k+), assessing every unit owner thousands after a hailstorm—always carry $25,000–$50,000 of Loss Assessment with full deductible buyback where available.
- Bare-Walls vs. All-In Bylaws: Under a 'Bare-Walls' Texas condo regime, the HOA stops at unpainted drywall/studs, meaning you must insure all flooring, cabinets, and fixtures under Coverage A.
- Standard $1,000 Loss Assessment Sub-Limit: Many unendorsed HO-6 policies cap master-deductible assessments at $1,000 even if you bought $50,000 of Loss Assessment—our agents check carrier sub-limit language carefully.
- Short-Term Rental Restrictions: Listing a condo on Airbnb or VRBO without a short-term rental endorsement or DP-3/commercial form voids standard HO-6 coverage.
- Water Backup Inside Lower-Floor Units: Shared condo plumbing stacks frequently back up on 1st and 2nd floors; add Water & Sewer Backup coverage.
How We Shop Your Rate
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Bind & receive official proof
Review side-by-side options by email, text, or phone—with same-day ID cards, lender binders, SR-22s, or commercial COIs once bound.
All 254 Texas counties
Comparing 30+ TDI-admitted Texas carriers across all 254 counties
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Bundle & companion Texas coverages
Close dangerous policy exclusions and unlock multi-policy discounts by combining companion coverages in a single intake.
Smart Texas Pairing
Auto + Condo Bundle
Combine your Texas vehicles and condo unit in one file for multi-policy bundle discounts.
Smart Texas Pairing
Personal Umbrella ($1M–$5M)
High-rise and townhome owners add $1M+ excess liability protection for pennies on the dollar.
Smart Texas Pairing
Texas Flood Insurance
First-floor condos in Houston, Austin, or coastal zones can add unit-owner NFIP or private flood protection.
Texas Condo (HO-6) Insurance — Frequently asked questions
Answers to the most common Texas statutory, lender, and underwriting questions.
An HO-3 policy insures the entire physical house, roof, and yard, whereas an HO-6 condo policy insures your unit from the 'walls in' alongside your personal contents, liability, and share of HOA loss assessments.
Mortgage lenders typically require Coverage A equal to at least 20% of the condo's appraised value unless the HOA master policy provides 'all-in' interior coverage—plus extra limits for luxury kitchen or bath upgrades.
Only if the underlying peril (wind/hail) is covered on your HO-6 policy AND you carry adequate Loss Assessment limits without a restrictive $1,000 master-deductible cap.
It depends on legal ownership! Fee-simple townhomes where you own the roof, exterior walls, and lot underneath require an HO-3 Homeowners policy; condo-regime townhomes where the HOA insures the exterior shell use an HO-6.
Yes—either via an HO-6 with a 'Unit-Owners Rental to Others' endorsement or a dedicated Texas Landlord (DP-3) policy.