If you own a condo in San Antonio, your HOA's master policy covers the building exterior and common areas — but everything inside your unit is your responsibility. That includes your flooring, cabinets, appliances, personal belongings, and any improvements you have made.
Condo insurance from P & P Texas Insurance Group fills the gap between your HOA's coverage and what you actually need to protect. Anthony Aguilar reviews your HOA's master policy to identify exactly where their coverage ends and yours begins, so you are never caught off guard.
Whether you are in a high-rise downtown, a townhome in The Dominion, or a community in Shavano Park, your condo insurance should reflect the specifics of your unit and your HOA agreement.
Why Choose P & P Texas Insurance Group Inc for Condo Insurance?
✓Covers interior structures, fixtures, and improvements you have made
✓Personal property protection for belongings inside your unit
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Fills the gap between your HOA master policy and your needs
✓Loss assessment coverage if the HOA levies a special assessment
Common Questions About Condo Insurance
What is the difference between condo insurance and homeowners insurance?+
Homeowners insurance covers the entire structure. Condo insurance covers the interior of your unit and your personal belongings, since the exterior and common areas are covered by your HOA's master policy.
Does my HOA insurance cover my belongings?+
No. Your HOA's master policy typically covers the building structure, roof, and common areas. Everything inside your unit — walls in, including personal belongings, fixtures, and improvements — requires your own condo insurance policy.
What is loss assessment coverage?+
If your HOA levies a special assessment for a covered loss that exceeds the master policy limits, loss assessment coverage helps pay your share. This can be critical if there is major damage to common areas.