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Texas ho-6 insurance
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Texas HO6 Insurance

Texas HO6 policy is designed for condo owners in the state of Texas. The Texas HO6 condominium insurance that standard insurance companies such as Mercury, State Farm Bureau and AAA in cities such as Houston, El Paso, Corpus Christi or Fort Worth, will cover losses to any of your personal items and any structure you own. This policy also covers damages to any fixtures that have been upgraded since the home was purchased. Due to the recent housing crisis, many lenders and mortgage companies in the El Paso and San Antonio regions are requiring proof of insurance for condos.

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What Does HO6 Insurance Cover in Texas?

A standard condominium insurance policy in Texas whether you live in Houston, El Paso or Dallas will cover most damages to your TX condo and your personal belongings from perils such as hail, smoke, windstorm damage from falling objects, trucks or vehicles.

What is One Benefit of Having Texas Condo Insurance?

Items not covered by the association master policy that may be your insurance responsibility.

Buying Texas Condo Insurance

Master Policy - Living in Texas as part of an association, the association should have a master insurance policy to see what they cover so that you don't pay for coverage that is already covered.

Deductibles - This is the out of pocket amount that you will need to pay for each claim before the insurance policy kicks in. Additionally, there will be a deductible in the master policy in the event that there is an insurance claim under the master policy. Each member of the condo association will need to contribute their portion if there is some sort of disaster.

HO6 Condo Insurance Required in Most Areas Throughout Texas

Due to the housing crisis, mortgage companies are requiring HO6 insurance policies for any new condo purchases in the state of Texas.

Where is HO6 Condo Insurance in Texas?

The state of Texas now requires condo insurance everywhere you live:
  • Houston, TX
  • El Paso, TX
  • Dallas, TX
  • San Antonio, TX
  • Austin, TX
  • Fort Worth, TX
  • Corpus Christi, TX
  • Amarillo, TX
  • Lubbock, TX
  • Arlington, TX
  • Waco, TX
  • Tyler, TX
  • Beaumont, TX
  • Abilene, TX
  • Irving, TX
  • Midland, TX
  • Denton, TX
  • Garland, TX
  • Killeen, TX
  • Longview, TX
  • Odessa, TX
  • Plano, TX
  • Wichita Falls, TX
  • Conroe, TX
  • Huntsville, TX