Protect Your Home With Texas Condo Insurance
Texas Condo Insurance is designed to pick up coverage where your condo association coverage leaves off. This is all predicated on what the “master policy” covers. Typically there are two types of condo association policies.
- “All In” or “single unit” condo master policy– this policy typically covers the outer. walls of the dwelling and common areas as well as the fixtures: this would include appliances, plumbing, wiring, and carpet. Note it does not cover any personal property furniture, closes, jewelry, etc.
- “Bare Walls In” Condo Master Policy: This policy does not cover anything contained within your walls. It also may not cover plumbing or electrical systems.
The condo insurance that you purchase will look to compliment the coverage that is provided from you from the condo association. The Texas Condo Insurance policy will often have included in its loss of use in the event your condominium becomes damaged to the point where you would have to temporally live elsewhere.
How Does Condo Insurance Work?
If there is significant damage to your Condominium then typically two policies will be used to pay the claim. The condo associations master policy (HOA policy), will cover damage to the condo building and the grounds. Where your Texas Condo Insurance policy will cover damage to personal property, installed or attached fixtures and appliances.
Understand Where To Look For Texas Condo Insurance Discounts
Saving money everyone wants to do it. Understanding how you can save on your Texas condo insurance by knowing and understanding what the insurance companies look for to offer discounts is important. Remember each insurance company is different. Here are a couple of items that offer discounts and are simple to do.
Smoke Alarms and Fire Extinguishers– Installing smoke alarms in each room offers an added element of safety to your home. It also provides for discounts. Adding a fire extinguisher in your kitchen offers discounts.
Sprinkler Systems – New condo now have sprinkler systems installed in the home. This allows for a significant discount.
Multi-Policy– Commonly called “Bundling”. When it makes sense to have multiple policies condo insurance and auto with one carrier can provide savings.
Other Discounts – Always ask about other discounts. Each carrier has other items that they may offer. One common one is a claim-free discount . If you have not files a claim in last five years on previous carrier, new carrier may offer a discount.
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