Tag: Uptown condo insurance

How Much Condo Insurance Do You Need?

How much condo insurance an owner needs is one of the more challenging questions I must answer when talking with someone who’s buying or owns a condo. Regardless of how the policy is written (see last week’s post, https://wiseinsurancegroup.com/two-ways-condo-insurance-can-written/), the amount of coverage must be sufficient to protect the finish out of the home and their personal property or contents. Let’s examine how to approach both areas.

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Texas Condo Insurance Coverage

Last week’s post, An Introduction to Condo Insurance (see https://wiseinsurancegroup.com/an-overview-of-texas-condo-insurance/) addressed how to determine the amount of condo insurance needed and what it covers. There’s more to a condo policy, however, than covering the finish out of the home and your personal property or contents. There are other coverage items to consider including personal liability, medical coverage, deductibles, and home owner’s assessment.

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An Overview of Texas Condo Insurance

I wrote a condo insurance policy last week for a new client. He’d started out with an offer for a single family home in the Dallas area which fell apart after the home didn’t appraise for the amount he offered. As he thought through what he desired in his next home, he decided to look at condos in the area. It turns out, he found the perfect home, but since it was the first condo he’s ever purchased, he had a lot of questions about condo insurance.

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Your Home Insurance Also Doesn’t Cover This

Last week I introduced 5 things no home insurance policy covers. These are acts of war, nuclear meltdown, flood, earthquake, and sewage back up (see http://50.87.248.161/~wiseinsu/home-insurance-doesnt-cover/). It would be nice to think our home policies cover everything, but they don’t. In fact, last week’s list was only a partial list of what home insurance policies don’t cover. Here are three more items no Texas home insurance policy covers.

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