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Allen, TX 75013

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How Does Condo Insurance Differ from Home Insurance?

When it comes to understanding the differences between home and condo insurance, the first and most important is that home insurance is designed to protect the inside and outside of your home from the dwelling itself to the land that it sits on, while condo insurance is only for your belongings and the interior of the unit. When you purchase a condominium, there are generally two insurance types that protect both your unit and the property – condo insurance and condo association insurance. An individual condo insurance policy covers the interior of your unit and your personal belongings, while an association insurance policy covers common spaces, the exterior, and the roof. The vast majority of owners will only need to purchase condo insurance as condo association insurance is purchased by the board, but keep in mind that a portion of your monthly dues likely goes towards the board’s insurance policy. 

When shopping for a condo insurance policy, do not skimp on the liability coverage. If a visitor like a contractor or delivery person is injured while inside your condo, then you could be sued for their medical bills and any other damages that they ask for. Consequently, having adequate liability coverage to protect your assets is imperative. Additionally, most people underestimate the value of their belongings, from clothes to electronics to computers. Still, you want to ensure that your personal property coverage is enough to pay for replacements of your high-value items should they be damaged due to a covered condo insurance claim.

When it comes to finding a condo insurance policy, and you are in the Allen, TX area, head to the business that your neighbors, friends, and family trust – Texas Independent Insurance. Our team of talented and friendly insurance professionals will help customize the perfect policy for your needs, so give us a call today to schedule a consultation. 

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