BEFORE YOU GET STARTED

A little more clarity.

Does the association’s master policy cover my whole unit?

Not necessarily. Some master policies cover certain interior features; others leave more to the owner. Ask the association for its coverage information and governing documents, then review what remains your responsibility. Avoid choosing coverage based only on labels such as “walls-in” or “all-in.”

Will loss assessment coverage pay every HOA assessment?

No. It applies only when the assessment meets the policy’s coverage terms. Ask about covered causes of loss, the limit and any restrictions involving the master policy’s deductible. Routine fees and assessments are not automatically insured.

What if I need somewhere else to stay after damage?

Ask about additional living expenses coverage. It may help with qualifying extra costs when a covered loss makes the unit uninhabitable, subject to the policy’s limits and conditions.

I rent a condo. Is this the right type of policy?

An owner’s condo policy and a tenant’s renters policy address different needs. If you rent the unit from someone else, start with renters insurance and ask about your lease requirements.

Can I ask about bundling with auto insurance?

Yes. Ask which policies qualify and compare the combined cost and coverage. Eligibility and discounts vary; savings are not guaranteed. Our bundling guide explains what to compare.

Will submitting this form start coverage?

No. It requests a conversation with our agency. Coverage starts only as confirmed by the insurer after the required application and purchase steps.

What documents help clarify the association’s coverage?

Have the association’s master-policy summary, insurance requirements and relevant bylaws ready. Ask where its responsibility ends, including improvements inside your unit and the master-policy deductible.

What should I review after renovating my condo?

Identify upgrades to cabinets, flooring, fixtures and other finishes. Ask whether the proposed dwelling amount reflects those improvements and how a covered loss would be settled.

Something else to insure?

Auto insuranceHomeowners insuranceRenters insuranceAuto + home bundlingOur Lubbock office
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This website represents Keith Roberts’s local agency, independently owned and operated by Roberts Insurance Professionals, INC. Contact us at keiroberts@geico.com or (806) 705-6810 with questions about this website.

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GEICO Local Office Keith RobertsYour local agent (806) 705-6810
All insurance options

YOUR UNIT. YOUR BELONGINGS. YOUR QUESTIONS.

Condo insurance in Texas

Your condo has its own needs.
Let’s look at the details.

Your association’s policy and your own coverage serve different purposes. Our local office can help you explore insurance for the parts of condo ownership that are yours to protect.

Request a Condo Quote Call (806) 705-6810

Our agency will review your request and contact you during office hours about quote options and next steps. No obligation to purchase.

Independently owned and operated by Roberts Insurance Professionals, INC

START WITH THE ASSOCIATION’S POLICY

See how the coverage fits together.

Condo insurance is often called an HO-6 policy. It works alongside the association’s master policy.

The master policy generally covers the building and shared areas, and may include some interior features. Your responsibilities depend on that policy and the association’s governing documents. Review both before choosing your own coverage.

01

Your unit’s interior

Ask which walls, floors, fixtures or improvements you are responsible for insuring. Consider rebuilding costs for those items rather than assuming your condo’s purchase price is the right coverage amount.

02

Belongings and daily life

Discuss personal property, liability and additional living expenses following a covered loss. An inventory of your belongings can help you consider limits and any special coverage needs.

03

Loss assessment

Ask whether coverage can help with your share of an eligible association assessment. Limits, deductibles and exclusions matter; it does not cover every assessment or association expense.

Coverage availability, limits, deductibles, exclusions and eligibility vary by policy, insurer and state. Condo coverage is written through non-affiliated insurers and secured through GEICO Insurance Agency, LLC.

A LOCAL TEAM, READY TO HELP

Let’s talk about
your condo.

Share your contact details and a little about what you need. This requests help from our agency; it does not calculate a price or start coverage.

Keith Roberts
Keith RobertsYour local GEICO agent(806) 705-6810

Helpful details for our conversation

  • Are you buying a condo, renewing coverage or making changes?
  • What do your association’s documents and master policy say you must insure?
  • Do you have lender requirements, interior upgrades or loss assessment questions?

6010 82nd St., Suite 100, Lubbock, TX 79424
Monday–Friday, 9 AM–6 PM Central

Use the form below to ask our local team for help. Please do not include dates of birth, Social Security numbers, driver’s license numbers or payment information. Submitting an inquiry does not start coverage. Privacy details.