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Condo Insurance

Do you own a condo in Texas? If yes, have you thought about condo insurance? Owning a condo is great, but you must consider condo insurance. While the condo owner's association master policy protects you, it's only limited to the exterior of your building and common areas. That said, damages occurring inside your condo are your responsibility.

Need to learn more about condo insurance? Hang on as Agent Near You LLC explains what you need to know about condo insurance.

Is condo insurance mandatory?

No law in Texas requires condo owners to purchase condo insurance. However, it might be a requirement if your condo is financed through a mortgage. But compliance shouldn't be the only motivator for you to purchase condo insurance — there exist other reasons to invest in condo insurance.

What does condo insurance cover?

If you are thinking about investing in condo insurance, you are on the right track. Condo insurance protects the below:

Your dwelling

Condo insurance covers damage to the interior of your building. It covers your walls, floors, and fixed appliances from perils like fire and other covered risks.

Personal liability protection

Condo insurance comes to your rescue when you are sued or claims of bodily injury and property damage are brought against you by others.

Personal property coverage

This policy, also known as contents coverage, protects your electronics and other assets from damage or loss from perils like fire, theft, and many others. This way, you don't have to incur out-of-pocket expenses to replace your lost or damaged possessions.

Additional living expenses (ALE) coverage

If your condo becomes unlivable due to a covered peril, you don't have to incur out-of-pocket expenses to finance a temporary shelter. Condo insurance takes care of living expenses that exceed your normal spending until your dwelling becomes livable again.

Condo insurance in Texas

Having seen how crucial condo insurance is, it's time to get coverage from Agent Near You LLC. Don't hesitate to get in touch with us today for an affordable quote.

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