Condo insurance in San Antonio
Your HOA master policy stops at the walls. We read the bylaws and cover the finishes, belongings and assessments it leaves to you.
How we approach condo coverage
Downtown lofts, Alamo Heights townhomes and North Central condos all come with an association master policy, but each one draws the line in a different place. Some cover original fixtures, others cover bare walls only.
We ask for your HOA declarations page, match your HO-6 policy to it, and add loss assessment coverage so a large master-policy deductible after a hailstorm does not land entirely on you.
- HOA bylaw review
- Loss assessment guidance
- Bundle with auto
- Annual review when HOA policies renew
What's included
Core protections and the options our agents most often recommend. Exact coverage depends on the carrier and your policy terms.
Interior dwelling
Cabinets, flooring, countertops and upgrades not covered by the association.
Personal property
Your belongings, with replacement cost valuation available.
Loss assessment
Your share of a special assessment after a covered loss to common areas.
Liability
Injuries in your unit and damage you cause to neighboring units.
Loss of use
Temporary housing while your unit is repaired.
Water backup
Optional coverage for sewer or drain backups.
How getting covered works
- 1
Share your HOA master policy
We identify exactly where association coverage ends.
- 2
Set the walls-in limit
Based on your finishes and upgrades.
- 3
Add loss assessment
Sized to the master policy deductible.
- 4
Bind and notify your HOA
Proof sent to your management company.
What affects your price
Carriers weigh these factors differently, which is exactly why comparing several of them pays off.
- Walls-in limit
- Higher-end finishes need a higher limit.
- Master policy type
- Bare walls versus all-in master policies change what you need.
- Building features
- Sprinklers, age and construction type.
- Deductible
- Your HO-6 deductible choice.
Condo insurance questions
More answers on our FAQ page.
The HOA master policy covers the building structure and common areas. Your HO-6 covers your unit interior, belongings, liability and assessments passed down to owners.
At least enough to cover your share of the master policy deductible. We recommend $25,000 or more for buildings with percentage deductibles.
If you rent the unit out, you need a landlord-style condo policy. Tell us and we will quote the right form.
Often paired with condo
Renters insurance
Belongings, liability and temporary housing for apartments, duplexes and rental homes.
View coverage
Home insurance
Dwelling, belongings and liability, with roof, hail and wind deductibles explained plainly.
View coverage
Umbrella insurance
Extra liability protection above your auto and home limits, from $1 million.
View coverageCompare condo quotes today
Real agents in San Antonio, answers in English or Spanish, and no obligation to switch.
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