The best place to start is your HOA's bylaws and master insurance policy — most HOAs post these online or will provide them on request. The master policy typically covers the building structure, roof, common areas, and exterior — but not your individual unit's interior, personal belongings, or liability.

Most of the time you are responsible for everything inside your unit — walls, flooring, appliances, fixtures, and personal property. However every Houston condo community is different so it's worth reviewing your specific HOA documents carefully.

Not sure what your HOA covers? Contact us and we'll help you review your HOA policy and identify any gaps in your coverage.

Loss Assessment coverage pays your share of costs when your HOA needs to collect money from all unit owners to cover a shared loss or expense — such as damage to a common area that exceeds the HOA's master policy limit.

A real example: if your building's shared roof is damaged in a Houston hailstorm and the repair cost exceeds the HOA's insurance deductible, that shortfall gets split among all condo unit owners. Without Loss Assessment coverage that bill comes directly out of your pocket.

Most standard condo policies only include $1,000 of Loss Assessment coverage — which is rarely enough. Raising it to $25,000 typically costs just a few extra dollars per year and could save you thousands. Ask us about this when you get a quote — it's one of the most overlooked coverages in Houston.

No — standard condo insurance does not cover flood damage, just like standard homeowners insurance. This is especially important for Houston condo owners given the city's history with flooding events like Hurricane Harvey.

If your condo is in a flood-prone area of Houston — or even if it isn't — a separate flood insurance policy is strongly recommended. We can help you find both NFIP and private flood insurance options to protect your unit.

If you lease out your condo you typically need a landlord policy rather than a standard condo policy. A landlord policy covers the unit's interior and fixtures you're responsible for, loss of rental income after a covered claim, and liability protection if a tenant or guest is injured and you're held responsible.

As an independent broker we offer landlord policies and can help you find the right coverage whether you're renting out one unit or multiple properties in the Houston area. Learn more about rental property insurance or get a free quote today.

Call us first at (281) 990-1341 — you won't be stuck calling a random 1-800 number and hoping for the best. You'll have our local Houston team in your corner guiding you step by step.

We'll help you report the claim, gather the right information, and communicate with the carrier so you're not doing it alone. We stay involved from start to finish — because when something goes wrong you deserve a real advocate, not just a call center.

Visit our Learning Center for more helpful guides on condo insurance in Texas.