Condo Insurance in Temple, Texas

What Is Condo Insurance?

Condo insurance—also called HO-6 insurance—protects your condominium unit's interior, personal belongings, and liability exposure. Your HOA carries a master policy that covers the building's exterior and common areas, but it does not protect what's inside your unit. For Temple condo owners, an HO-6 policy fills critical gaps and protects improvements you've made to your home.

Winkler Insurance helps condo owners across Central Texas understand their HOA's master policy and find personal coverage that complements it. We compare condo insurance options from trusted carriers to find affordable protection tailored to your unit.

Why Temple Condo Owners Need Condo Insurance

Many condo owners assume their HOA's insurance covers everything. It doesn't. Here's why you need your own policy:

• Your belongings aren't covered. The master policy doesn't protect furniture, electronics, clothing, or personal items inside your unit.


• Interior damage is your responsibility. Walls, flooring, cabinets, and fixtures inside your unit typically fall outside the HOA policy.


• Liability exposure exists. If someone gets injured in your condo, you could face a lawsuit.


• Upgrades need protection. Renovations and improvements you've made aren't covered by the master policy.


• Your lender requires it. Mortgage companies require condo insurance before closing.

What Does Condo Insurance Cover?

An HO-6 condo insurance policy includes:

Dwelling Coverage
Covers interior elements of your unit including walls, flooring, built-in appliances, and fixtures. This picks up where your HOA's master policy ends.

Personal Property Coverage
Protects your furniture, electronics, clothing, and belongings from theft, fire, and other covered perils.

Liability Protection
Covers legal fees and damages if someone is injured in your condo or you accidentally damage someone else's property.

Loss Assessment Coverage
Pays your share if the HOA levies a special assessment after a covered loss exceeds the master policy limits. Essential for Temple condo owners.

Additional Living Expenses
Covers hotel stays and meals if your condo becomes uninhabitable after a covered loss.

Medical Payments
Pays minor medical bills for guests injured in your unit, regardless of fault.

Understanding Your HOA's Master Policy

Before buying condo insurance, review your HOA's master policy. Master policies come in two types: bare walls-in coverage protects only the building structure, while all-in coverage includes some interior elements. Knowing what your HOA covers helps you avoid gaps or duplicate coverage. Winkler Insurance can review your master policy and recommend the right HO-6 coverage.

How Much Does Condo Insurance Cost in Texas?

Condo insurance in Texas typically costs $250 to $600 annually—significantly less than homeowners insurance since you're not covering the building exterior. Your premium depends on your unit's size, location, coverage limits, and deductible. Temple condo owners often find competitive rates through our carrier partners.

Why Work with Winkler Insurance?

Since 2006, Winkler Insurance has helped Texas condo owners find coverage that works with their HOA's master policy. As an independent agency, we compare condo insurance quotes from multiple carriers and explain exactly what you're getting. Our Temple agents take time to review your situation and recommend appropriate coverage.

Get a Condo Insurance Quote in Temple, Texas

Our condo insurance agents serve Temple, Texas and surrounding areas including Belton, Harker Heights, Killeen, Copperas Cove, Troy, Waco, Round Rock, and Cameron. Contact Winkler Insurance today for a free quote.