Insurance Over Texas

430 Hwy 6 S. #102
Houston, TX 77079

About Insurance Over Texas

What Houston TX residents Need to know about Condo insurance

Condominium owners who reside in their Houston, TX units must insure property they possess within their condo. These personal properties include clothing, appliances, furniture, and electronics. This policy is tailored to offer liability protection for property damage and afflicted bodily injuries to others. In Houston, TX the condo association’s coverage comes to a standstill after protecting the exterior walls, meaning that you are wholly responsible for protecting the interior walls and fixtures.

This responsibility warrants acquiring salient condo insurance to guarantee imminent perils like windstorms, smoke, theft, and vandalism strikes. Connect with us at Insurance Over Texas situated in Houston, TX and speak with our licensed agents who can assist you with your condo insurance quotes.

Sometimes designing a spectacular package for condo insurance in Houston, TX that suits your individual needs, it’s a daunting task. Thankfully, Insurance Over Texas is here to help! We will assist you to determine the amount of coverage you need, and we will help you grab it at the most competitive rates available.

What types of condo insurance coverages are offered at Insurance Over Texas in Houston, TX?

  • Personal liability coverage: It caters to related legal costs if someone is accidentally injured while residing in your condominium, and you are deemed liable.
  • Guest medical: It pays medical costs if your guest is injured while at your condominium, even if you are deemed liable for the cause of the accident.
  • Building property protection: It typically assists in settling costs for repairs to your condo unit walls, including its interior, which includes items like built-in bookcases and fixtures if a covered peril exacerbates destruction.
  • Personal property coverage: Personal possession such as appliances, clothing, and furniture are covered under personal property policy if a covered disaster ravages them.

Call us or visit our Insurance Over Texas located in Houston, TX and our charismatic agents will help you acquire an outstanding condo insurance policy suiting your needs.

A Guide To Help Texas Residents Find The Right Condo Insurance Policy

Insurance Over Texas serves the Houston, TX community, as well as the surrounding areas through providing insurance coverage. We strive to serve our clients with a high level of professionalism. As an independent agency, we have established successful partnerships with multiple carriers in Texas.

Condo Insurance

If you are staying in one of the beautiful condos in the Houston TX area, condo insurance allows you to protect your unit and personal belongings. The policy covers you if it is damaged. Your personal items are also covered if they are damaged or stolen. Liability coverage protects you if you invite someone over and they suffer an injury. If your condo is severely damaged by a thunderstorm or another type of natural disaster, the policy will cover you if you have to seek additional housing elsewhere.

You can amend the policy to cover your personal items when you are traveling with them. If your personal items are stolen while you are on vacation, you will be covered. Also, keep in mind that if you have some luxury items, you may have to look into extra coverage to protect those items if they are damaged or stolen. Consider getting your luxury items appraised. That should give you a clear estimate regarding the true value of your luxury items.

Because the weather in Texas can be severe at any moment, make sure that you consider the possibility of flooding. Make sure that the policy covers your unit and personal items if a flood causes damages. Potential wind and hurricane damage are other variables that you have to think about while researching coverage.

Consult With Insurance Over Texas

Visit our website today to learn more information about condo insurance.

What Homeowners Association Usually Cover

When it comes to living in shared spaces, such as a condominium or even a community, there are usually homeowners association’s rules, fees, and so on. It is different from owning the standard single-family home, and the homeowners’ insurance is different from the homeowners’ insurance for the standard home. So, it is imperative to know what the homeowners’ association (HOA) usually covers.

HOA Insurance Coverage

Part of your HOA dues cover insurance for shared spaces, and thus, it is referred to as liability home insurance for those areas. The following includes what it usually covers:

  • Yard Space
  • Swimming Pools
  • Tennis Courts
  • Playgrounds
  • The Shared Wall of Tenants
  • The Lobby
  • Any Part of the Property Shared by the Tenants (the business center, laundromat, etc.)

The bottom line is that practically any shared Tenants’ areas are usually covered by the homeowners’ HOA insurance. So, while the wall that divides your condo and your next-door neighbor’s condo, for instance, may be covered through the HOA, your personal belongings in your home are not covered by this home insurance. 

Ensuring Accurate Coverage for Your Home

Now that you know what your HOA will typically cover, it’s time to do two things: One is to ensure you find out for sure the details in what your HOA covers in your vicinity. Secondly, it is imperative you work with a top-notch, reliable, professional, and experienced insurance company to ensure your home is adequately covered.

All homeowners’ insurance policies don’t fit the one-size-fits-all rule even if you stay in the same building as another tenant. One reason is due to the differences in each other’s personal belongings. For instance, one of you may have more luxury items than the other, so the one with more luxury items might’ve added more coverage to ensure these items are covered. 

To ensure your home is properly covered, contact Insurance Over Texas in Houston, TX today. Insurance Over Texas has been serving the Houston, TX and surrounding areas for more than 30 years now. We are a family-owned and operated agency that specializes in home and auto insurance. Furthermore, we have a full array of home insurance coverage options to meet every homeowner’s needs. So, go ahead and contact us now!  

What does condo insurance cover

Condo insurance is very similar to a homeowner’s policy except it is essential for a condo owner to understand how their condo insurance policy will work with the master insurance policy carried by the condo association. If you are a condo owner in the Houston, TX area and have questions about your condo policy, reach out to a specialist at Insurance Over Texas today. 

The first element of condo insurance is the master insurance policy provided by the condo association. The master policy insures the building structure along with any common areas, such as the lobby, courtyard, swimming pool, and fitness center. 

There are a few different types of master policies. Condo owners should know what their building carries to determine what sort of coverage they need to fill in any coverage gaps.

  • Bare walls coverage: A bare wall policy will cover the walls, floor, and ceiling. If your condo carries this type of policy, you will need to make sure your policy covers the appliances, light fixtures, plumbing, and the cabinets in the kitchen. 
  • Single entity insurance: A single entity policy is very similar to a bare walls policy except that it also includes the fixtures. It is crucial to keep in mind that if damage were to occur, this policy would restore the fixtures to the original condition when the property was built. If you have new fixtures, you may want to consider having replacement coverage under your policy instead. 
  • All-in Coverage: All in coverage is the most comprehensive policy the association can carry. All-in coverage covers what is covered under the single entity policy but extends to cover any additions or improvements that have been made to the condo. In the event your building has All-in coverage, you will need to cover your personal property. 

If you are interested in learning more about condo insurance, make an appointment with Insurance Over Texas today. We proudly serve the Houston, TX, area. 

Protect yourself from negligent neighbors with condo insurance

Condominium insurance can be confusing when it comes to knowing whose insurance is responsible for different types of damage. If you live in a condo, you should have your own insurance in addition to that provided by your Condominium Owners Association (COA) because of the limitations that their policy will have in the event of damage to your unit. The team at Insurance Over Texas is here to help condo owners in the greater Houston, TX area find the right policy to meet their needs. Don’t be fooled by the COA policy that is in place as this will not provide coverage for damage to your unit.

Don’t let your negligent neighbors ruin your condo!

You may be surprised to learn that in most instances you can be held responsible for damage to your condo even if it is caused by a negligent neighbor! While this may seem unfair, it is typically how condo boards operate. When you live in a multi-family dwelling such as a condo, it is vital that you have adequate coverage in place. Your COA insurance protection is typically limited to the common areas of your building and will not cover an event that occurs within your unit. If you are unfortunate enough to have negligent neighbors, your coverage is even more critical. Make sure that you have comprehensive condo insurance in-place at adequate coverage levels to make sure that your home and belongings are covered.

Is it time to review your condo policy for completeness? If you are in the greater Houston, TX area and want to make sure that your condo insurance policy will provide the protection you need, call or stop Insurance Over Texas today for a policy review. We can help you find the most appropriate coverage to meet your needs.

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