Condo Insurance

For Individuals and Families in TX, CA, OK, AR, TN and AZ
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Coverage That Complements Your HOA Policy

Owning a condo means unique coverage needs—some responsibilities fall under your HOA, but not all. At Affluence Insurance Services, we help condo owners fill the gaps with smart, flexible policies that protect your personal property, interior spaces, and liability. We’ll make sure you’re fully protected—without overpaying for coverage you don’t need.

What's Covered

Condo insurance (also known as HO-6 insurance) typically includes:

  • Interior Structure Coverage

    Covers damage to walls, flooring, fixtures, and upgrades within your unit not handled by the HOA master policy.

  • Personal Property

    Insures your belongings against theft, fire, and covered events.

  • Loss of Use

    Covers living expenses if your condo becomes uninhabitable due to a covered loss.

  • Personal Liability

    Protects you if someone is injured in your condo or if you cause damage to other units.

  • Loss Assessment

    Helps cover your share of costs if the HOA imposes an assessment for damage to shared areas.

Insure with Affluence

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Expert HOA Policy Review

We analyze your HOA’s master policy to ensure you’re not under—or over—insured.

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Tailored Coverage for Condo Owners

Get protection for your unique interior space and lifestyle needs.

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Trusted Carriers, Better Value

We shop multiple companies to find the right mix of coverage and cost.

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Helpful, Ongoing Guidance

As your home changes, we help your policy evolve with it.

Frequently Asked Questions

  • What’s the difference between my HOA policy and my personal condo insurance?

    The HOA policy typically covers the building’s exterior and common areas. Your policy is responsible for everything inside your unit—including walls, fixtures, and personal property.

  • Do I need condo insurance if my unit is mostly empty?

    Yes—at a minimum, you’ll need liability and interior structure coverage. We can customize your policy based on what you own and what your HOA already covers.

  • What is “loss assessment” coverage?

    It helps pay your share if the HOA levies a special assessment for property damage, legal fees, or injuries occurring in shared areas.

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Get a Quote

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Complete Your Protection with Smart Condo Coverage

Let Affluence Insurance Services guide you through your HOA policy and build a condo insurance plan that truly fits.