Condo Insurance in Houston

Posted on: April 24th, 2017

Rick Tinker agency can help you with condo insurance in Houston, Pasadena TX or Webster TX. Condo insurance involves you the owner as well as the management company or the body corporate. The management company is responsible for the complex as whole. You are responsible for the interior of your condo. The association / management company or body corporate is responsible for the master instance that covers the complex you live in. You are responsible for aspects of your unit.

Basically, you need to know which parts of your condo are covered by the association’s insurance and which are not. That means you should read the relevant bylaws to determine exactly which parts you should cover. Your insurance agent can help you with that.

Your association or body corporate will likely cover the buildings and common areas. But their insurance is unlikely to cover your possessions which could be lost due to theft or damaged because of an accident, a fire or flooding.

In most cases condominium policies help to protect your financial interests in your personal property and the interior of your condo or townhouse or flat. Your policy should also include liability cover for bodily injury or property damage to third parties. In any event your condo insurance should cover your liabilities, possession and alterations you might have made to your dwelling.

Most condo insurance policies will cover losses resulting from

  • Fire or Lightning
  • Windstorm
  • Accidents
  • Smoke
  • Vandalism or Malicious Mischief
  • Theft
  • Accidental Discharge of Water

Rick Tinker can help you with all your insurance matters including condo insurance. So whether you own a townhouse in Houston, an apartment in Pasadena TX or condo in Webster TX, speak to one of their consultants regarding the right condo insurance for your situation.

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