Condo Insurance in Texas - Townhome & Condo Unit Coverage

Coverage Designed For Your Unit, Not Just The Building

Your HOA's master policy protects the building and shared spaces-but not necessarily what's inside your walls. O'Sullivan Integra tailors condo insurance Houston TX (HO-6) for high-rises in the city and townhomes across Tomball and Cypress. We'll coordinate your unit policy with the association's coverage so gaps don't surprise you after a claim.

What An HO-6 Policy Includes

Your unit policy can address:

Black outline of a table lamp with a lampshade, sphere-like bulb section, and a decorative base.

Building Property (Interior)

Cabinets, flooring, drywall, fixtures, and improvements your HOA doesn't cover.

Living room furniture: TV on a stand with an armchair.

Personal Property

Furniture, clothing, electronics-on and off premises.

A black and white drawing of an umbrella with a dollar sign underneath it.

Personal Liability

If a guest is injured in your unit or you damage another unit.

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Loss Assessment

Helps pay your portion if the HOA assesses unit owners for a covered loss.

Aligning With Your HOA Master Policy

Some HOAs are "walls-out," others "walls-in." O'Sullivan Integra can review your declarations and bylaws to recommend the right interior limits and deductibles. If your building has a high master deductible, we'll discuss options to protect your share and suggest backup like Flood Insurance where appropriate.

Questions Condo Owners Ask

  • If a leak starts in my unit and damages a neighbor's, am I covered?

    Your liability may respond to damage in other units, and your HO-6 can address your own interior-circumstances matter, so let's review.

  • If my HOA has insurance, why do I need mine?

    The master policy rarely covers your unit's interior finishes or personal property. Your HO-6 fills those gaps.

  • Do I need extra liability?

    Many owners add Umbrella Insurance for higher limits, especially in multi-unit buildings.