Condo Insurance Texas

Covers Damages to the inside of your unit

Types of Condo Insurance

Each condo is unique, so each condo policy needs to be tailored for proper protection. Here are a few ways you can improve your security at your condo.

Water Backup:

If water backs up into your condo, it might not be covered by your standard policy. Fortunately, this type of coverage can cover the expense.

Umbrella Insurance:

This is an overarching liability policy that can protect you in and out of your condo.

Unit Assessment:

If a common area is damaged (e.g. your clubhouse burns down), condo owners can be assessed a fee for the repairs. Your coverage could pay this for you.


If you have valuables you store in your condo, your existing policy might not offer sufficient coverage. You can get a floater to specifically insure high-value items.


These two natural disasters aren’t covered by standard policies. You need separate flood and earthquake insurance.

Condo Insurance in Texas

Provides property, liability and medical coverage

What is condo insurance?
This isn’t a straightforward question to answer, because there are two types of condo insurance in Texas. The first is the personal policy that you get, and the second is the master policy your condo or co-op board has to protect the common areas of your condo and its building.

Why do I need my own condo insurance policy?
Your condo’s master policy protects the structure of your condo, like it’s exterior walls and roof, but its coverage generally stops once you get inside your condo. To protect the interior of your condo and the personal property you keep there from fire, theft, and other disasters, you need your own condo insurance policy.

Contact Us

When choosing a Texas condo insurance agency, you want a company you can trust. We are an independent insurance agency. We do not work for an insurance company; we work for you! We work on your side when you have a loss and follow through to see that you get fair, prompt payment.

As an independent, full-service insurance agency, our duty is to our clients, not the insurance companies. As your insurance agents, it is our responsibility to provide YOU the best service and the best coverage, at the best possible price.

Since 1987 the goal of VGW Insurance has been to provide the best in customer service, pricing, claims handling and professional advice to all of our clients, all of the time. After many unsatisfying customer service experiences of his own, Glen VerHagen a Certified Insurance Counselor, decided to make a stand. ” I can’t control everyone, but I can be certain that the type of poor customer service people have been forced to become accustomed to will not happen here at VGW Insurance.”

Since then, that has been our foremost priority in dealing with our clients, and in today’s times it clearly sets us apart. We won’t settle for anything except superior customer service, professional consultation and a caring atmosphere, and neither should you.

For well over twenty years, we have proudly served the residents of the Great State of Texas for all of their insurance needs. We have grown into one of the top independent agencies in the nation. As prior winners of The Hartford Insurance Company’s National Top Personal Lines Agency Award, Travelers Insurance Company’s Southwest Regional Agency of the Year Award and America First Insurance Company’s Top Producing Agency Award, we have come a long way.

We not only offer many choices of companies but we also have many different policy types available including multiple coverage options for commercial property, garage insurance, contractor insurance, dry cleaners insurance coverage, personal home and auto, business auto insurance, workers compensation insurance coverage and much more. We will be happy to discuss the differences in the coverage and how they will impact you.

Ready to sign up, or have questions? Call Us at 972-771-7373

We’ll provide you with a free, no obligation quote.