Month: October 2025

If you are moving into a condo for the first time in Magnolia, TX, you may wonder why your homeowners association (HOA) doesn’t provide comprehensive insurance on the building and its contents. Christian Insurance Agency can help you understand the differences between your HOA’s master policy and the condo insurance policy you need to protect your unit and personal belongings.

Master Policy Coverage

The master policy covers broader elements of your condo building. These include common areas, such as hallways, clubhouses, swimming pools, hot tubs and other shared amenities. It also includes the building structure, such as the roof, outer walls, and exterior windows throughout the complex. Depending on the master policy, it will either cover the bare walls or your unit or specify a broader all-in coverage.

What Condo Insurance Protects

Condo insurance covers your unit’s interior, plus your personal belongings. You also receive liability coverage that pays for injuries and court costs when a covered incident occurs in your home. It also protects you if you cause damage to another unit in the building. Insurers design these policies to cover the gaps provided by your association’s master policy.

Covered personal belongings include clothing, furniture, electronics, and valuables like jewelry. It also protects interior structures, finishes and fixtures, including improvements you may have made after purchasing the unit. Most insurers also include loss assessment coverage, which helps pay for your share of special assessments levied by your association for loss to a common area.

Learn how your personal condo policy can complement your association’s coverage on your property in Magnolia, TX. Our staff will help you find a condo insurance policy to complement your HOA’s master policy. Contact the agents at Christian Insurance Agency to get started on comprehensive coverage.