Condo insurance in San Antonio, Houston, Dallas, and Austin, Texas

The master condo policy typically protects only the shell of your unit, leaving your personal

Your condo association’s insurance policy likely covers certain aspects of your condo, such as common or shared areas. As a result, it may cover your condo unit, but not any improvements you make or fixtures you add to the condo. It also won’t cover your personal possessions.

How can condo insurance protect you?
Use the yellow hot spots and explore how condo insurance can help protect against common risks.
Betterments and Improvements
Risk Factor

Any betterments, improvements, alterations, or additions made to your condominium are subject to damage. However, it’s important to make sure they’re covered appropriately.


Be sure to obtain coverage for any betterments, improvements, alterations, and additions made to the unit. This includes, but is not limited to, kitchen cabinets, built-in wall units, wall-to-wall carpeting, wallpaper, paint, bathroom fixtures, tile and wood flooring, and more.

Personal Property
Risk Factor

Unpredictable losses can occur to your property due to burglary, fire, water damage, storm, and more.


Personal property, such as furniture, rugs, TVs, stereos, clothes, and more may be covered under your basic insurance policy. However, items like jewelry, furs, silverware, antiques, collectibles, and other valuables should likely be insured separately.

Additional Living Expenses
Risk Factor

Additional living expenses can be incurred if there is damage to your unit due to a fire, storm, or other event resulting in your need to live at a temporary residence.


Ensure you have the proper coverage in case you need to live elsewhere for a little while. Coverage usually includes hotel bills, restaurant meals, and other living expenses incurred while your residence is being repaired or rebuilt.

Personal and Family Liability
Risk Factor

You're responsible if a guest in your unit trips and falls or sustains an injury while on your property or if you cause damage to other units.


Be sure that you have coverage for claims made against you for bodily injury or property damage caused by your negligence, whether intentional or not. This might include damage to other units in the building, perhaps caused by a leaking pipe in your unit or otherwise.

Medical Expenses
Risk Factor

You're responsible if a guest is injured while on your property and you may be required to pay their medical expenses.


Ensure your insurance policy covers this risk. In the event a person is injured in your unit, he or she can submit medical bills to your insurance company. Medical expenses are usually paid without a liability claim being filed against you, with typical limits ranging from $1,000 to $5,000.

Loss Assessment
Risk Factor

If your building owner or association suffers a loss and doesn't have adequate insurance coverage of their own, they may require you to help pay for the loss via an assessment.


Consider loss assessment coverage to protect yourself in the event of an assessment caused either by a property (building) or liability loss. A range of limits may be available.

Physical Damage
Risk Factor

Physical damage can happen in many ways. As one example, suppose a fire unexpectedly breaks out in the utility closet and consumes the building causing significant damage.


Be sure your condominium owner, association, or corporation carries a comprehensive policy to cover the risk of physical damage. It’s important to know what the policy includes and what it doesn’t, which could range from covering just the shell of the building to including things like floors and walls.

John and his wife Maria had recently retired and decided to downsize. They found a lovely condo in a retirement community that was perfect for them. The condo had all the amenities they wanted, and they loved the sense of community in their new home. 

John and Maria had heard about condo insurance but were still determining if they needed it. They thought they were already covered since the condo association had insurance. 

One day, while they were out running errands, a pipe burst in their upstairs neighbor’s unit. The water caused significant damage to John and Maria’s unit, ruining their furniture and belongings. 

John and Maria quickly realized that the condo association’s insurance did not cover the damage to their unit. Therefore, they were responsible for the repairs and replacements themselves. Fortunately, they had gotten a condo insurance policy out of precaution, which covered the cost of the damage. 

The insurance company provided John and Maria with temporary housing while their unit was being repaired. They also helped them with the claims process, making it easy and stress-free. 

John and Maria learned that condo insurance was essential, even when the condo association had insurance. They realized that the association’s insurance did not cover their personal belongings and living space and that they needed additional protection. 

After this experience, John and Maria knew that being prepared for the unexpected was necessary, and condo insurance was a crucial part of that preparation. 

Take precautions and stay protected with SOGO Insurance. Contact one of our experts today for a personalized quote. 

Get your affordable, Condo Insurance quote

One of our insurance advisors will reach out to you in under 1 business day to review your information and present you with the appropriate condo insurance solution. There’s no obligation, just good-old-fashioned advice.
SOGO Insurance offers comprehensive condo insurance throughout San Antonio, Houston, Austin, and Dallas TX, as well as the surrounding areas including