Condo Insurance in Texas
Condominium owners have very specific insurance needs to protect their homes and their belongings. Allen Jones Insurance Agency in Seguin, TX is a trusted insurance partner for condo owners in Texas.
Doesn't My HOA Have Insurance?
Condominium Homeowners Associations are required by Texas law to insure the condominium buildings as well as common areas like sidewalks and pools. These HOAs are all governed by the standards of The Texas Uniform Condominium Act and each association's coverage stops short of insuring what is inside each individual unit. That's why condominium owners purchase their own policies to protect their furniture, electronics, clothing, and other belongings from things like theft or fire. Condominium coverage is unique because it goes beyond the standard insurance coverage of personal possessions and protects things like the cabinets and appliances inside of the home. An insurance expert at Allen Jones Insurance Agency will provide you with the different coverage options available for replacing your belongings.
Condo policies can also protect homeowners from accidental water damage inside from a hot water heater or an air conditioning mishap. Most condo policies also insure you if your unit is vandalized.
If the condo is damaged and becomes unlivable, condominium insurance will cover the cost of living somewhere else while repairs are made.
What About Liability Insurance?
Your HOA carries insurance coverage in case someone is injured in one of the common areas. Your individual homeowner's policy with the Allen Jones Insurance Agency will include liability coverage that protects you if someone is injured inside your condominium unit.
Call for a Quote
Call the Allen Jones Insurance Agency in Seguin, TX today for a condominium insurance quote. We will work with you to provide the coverage you need that picks up where your HOA policy ends. Your condominium in Texas and all the possessions inside of it are an investment worth protecting.