Condo Insurance in Texas (HO-6)

The coverage your HOA master policy doesn’t give you — walls-in, your belongings, your liability, and the special assessment that lands in your mailbox — priced by a local independent agent who shops the market for you.

Serving Fort Worth, DFW, Wise / Denton / Tarrant counties, and condo & townhome owners statewide across Texas.

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Call (800) 666-2254 · or text QUOTE to (817) 646-6700

If you own a condo or townhome in Texas, your HOA’s master policy is not your insurance — it’s the building’s. It stops at your walls, and in many buildings it stops at the studs. Everything on the inside — your cabinets, flooring, fixtures, belongings, and your personal liability — is on you, and the policy that covers it is an HO-6 (condo/unit-owner) policy. As an independent agency based in Rhome, TAP Insurance shops carriers like Foremost, Germania, and Homeowners of America to match your HO-6 to what your HOA master policy actually leaves uncovered — then re-shops it when your rate jumps instead of leaving you stuck with one company’s price.

Your HOA master policy stops at the drywall

Every condo association carries a master policy, but it’s written to one of two levels — and the difference decides how much personal coverage you need:

• “Walls-out” / bare walls — the master policy covers the building structure and common areas but nothing from the interior drywall inward. Cabinets, countertops, flooring, built-in appliances, and fixtures are all your responsibility. This is common and requires the most HO-6 dwelling coverage.
• “Walls-in” / all-in — the master policy covers original fixtures and interior finishes as originally built. You still need an HO-6 for your belongings, liability, upgrades you’ve made, and loss assessment.

We ask for your association’s master policy declarations, read where its coverage ends, and size your HO-6 to fill exactly that gap — so you’re neither underinsured nor paying twice for what the building already covers.

What a Texas HO-6 condo policy covers

• Dwelling (Coverage A) — walls-in build-out — your unit’s interior: cabinets, flooring, countertops, fixtures, and any improvements or upgrades you’ve made, up to the limit we set from your master policy type.
• Personal property — your furniture, electronics, clothing, and everything you’d take if you moved. We can write it at replacement cost so you’re not paid depreciated value after a loss.
• Loss assessment — the coverage condo owners forget and most need. If the association takes a big loss its master policy doesn’t fully cover, it can bill every owner a special assessment. Loss assessment coverage pays your share — we typically raise this limit well above the token default.
• Personal liability & medical payments — protects you if someone is injured inside your unit or you’re held responsible for damage. We pair this with a personal umbrella once your assets warrant it.
• Loss of use — if a covered loss makes the unit unlivable, the policy covers the extra cost of somewhere to stay while it’s repaired.
• Optional add-ons — water backup, scheduled jewelry/valuables, and building ordinance or law for older buildings brought up to code after a claim.

Wind & hail matters in Texas. North and Central Texas sit in one of the most active hail corridors in the country. Your HOA master policy usually carries the wind/hail deductible on the roof and structure — but a bad storm that triggers it can come back to owners as an assessment. We make sure your loss assessment limit is set the right way and can pair your policy with a wind/hail deductible protection product so one storm doesn’t turn into a surprise bill.

Your mortgage lender requires it — get it right, not just filed

If you financed the condo, your lender almost certainly requires an HO-6 with a minimum dwelling limit (often 20% of the unit’s value) and their mortgagee clause listed correctly. We format the binder the right way the first time — correct loan number, correct mortgagee clause — so it clears underwriting at closing instead of bouncing back and holding up your loan.

Who we cover

• Owner-occupied condominiums
• Townhomes and attached homes in an HOA
• High-rise and mid-rise units across DFW
• Second homes and seasonal condos
• Condos you rent to tenants (HO-6 with a rental endorsement, or a landlord dwelling policy — see our landlord insurance page)

Built for Texas condo & townhome owners — Fort Worth to statewide

We’re a local, Rhome-based independent agency, so we know the North Texas market first-hand — Fort Worth, the wider DFW metroplex, and the townhome and condo corridors across Wise, Denton, and Tarrant counties. But condo insurance is a statewide line for us: whether your unit is in Fort Worth, Dallas, Houston, San Antonio, or Austin, we can place it. Because we’re independent, we compare multiple carriers on the same unit instead of quoting one company’s rate — which matters as more captive insurers pull back from Texas hail-exposed property.

Why condo owners choose TAP Insurance

Independent, so we work for you across multiple carriers — not one company’s price. We read your HOA master policy so your HO-6 fills the real gap, not a guess. Local and responsive, with extended hours and 24/7 text-to-quote. Bilingual (English/Español). Licensed in Texas and Oklahoma. And when your renewal spikes, we re-shop it for you without you starting over. One agent for the condo, your auto, and an umbrella to tie it together.

Frequently asked questions

Doesn’t my HOA’s insurance already cover me?
No. The HOA master policy covers the building and common areas — not the inside of your unit, your belongings, or your personal liability. An HO-6 is the policy that covers what the master policy leaves off, and how much you need depends on whether the master policy is “walls-in” or “walls-out.”

What is loss assessment coverage and why does it matter?
If the association suffers a large loss its master policy doesn’t fully pay — a major hail claim, a liability judgment — it can charge every owner a special assessment for their share. Loss assessment coverage on your HO-6 pays that assessment. It’s inexpensive to raise and one of the most valuable parts of a condo policy in Texas.

How much dwelling (Coverage A) do I need?
It depends on your master policy. With a “walls-out” master policy you need enough to rebuild your entire interior build-out; with “walls-in” you need less, mostly for upgrades and improvements. We read your declarations and set it correctly — lenders also often require a minimum, commonly around 20% of the unit’s value.

Is an HO-6 the same as renters insurance?
No. Renters insurance (HO-4) covers a tenant’s belongings and liability but no part of the structure. An HO-6 is for an owner and adds dwelling/build-out coverage and loss assessment. If you rent rather than own, see our renters insurance page.

Are you a local agent or a national call center?
We’re a Texas-licensed independent agency based in Rhome, serving Fort Worth, DFW, and condo owners statewide — you work with a real local agent, not a national 800 line.

Get a condo quote — call (800) 666-2254 or text QUOTE to (817) 646-6700, or request one online.

By Nate McLaughlin, Licensed Texas & Oklahoma Insurance Agent, TAP Insurance Agency, PLLC, Rhome, TX. Educational only; coverage forms, availability, and terms vary by carrier, association master policy, and unit. Source: Texas Department of Insurance (TDI).