Covers the interior structure of your condo — drywall, flooring, cabinets, countertops, and built‑in fixtures that aren't covered by the HOA master policy. This is known as "fixtures and improvements" coverage. In Frisco, where many units have premium finishes like granite countertops and hardwood floors, this coverage is especially important. Recommended limits: $25,000–$50,000 depending on your unit's interior quality.

Covers furniture, clothing, electronics, appliances, and other belongings inside your condo. Standard limit is typically $20,000–$50,000. We recommend Replacement Cost Value (RCV) coverage to avoid depreciation deductions. Consider higher limits if you have designer furniture, high‑end electronics, or significant wardrobe value. We can also add scheduled coverage for jewelry, art, and other valuables.

Covers additional living expenses if your condo is uninhabitable due to a covered loss — hotel stays, temporary rental, meals, and storage. Typical limit is 10–20% of your dwelling coverage. Given Frisco's competitive rental market and average rates of $1,800–$2,400 per month for a condo, this coverage is essential.

Protects you if you're sued for bodily injury or property damage to others — guest injuries in your unit, pet incidents, or accidents caused by family members. Standard limits start at $100,000 or $300,000. Given rising litigation trends, we often recommend higher limits or an umbrella policy for additional protection.

Covers your share of special assessments charged by your HOA if the master policy is insufficient to cover a claim — for example, if the building's roof is damaged and the master policy deductible is high. This is a critical coverage for condo owners. We recommend at least $10,000–$25,000 in loss assessment coverage.

Covers medical expenses for guests injured in your unit — regardless of fault. This is a "goodwill" coverage that helps resolve minor injuries without lawsuits. Typical limits are $1,000–$5,000 per person. Higher limits are available and can help prevent small incidents from becoming larger claims.

Water damage is the most common condo insurance claim in North Texas. Causes include burst pipes (especially during hard freezes), appliance leaks (dishwashers, washing machines, water heaters), and water intrusion from neighboring units. If your unit is damaged by water from above, your policy covers your interior finishes and personal property — but you'll need to coordinate with the neighbor's carrier for liability. We help you understand the claims process and recommend appropriate coverage limits.

If a severe storm damages the exterior of your condo building — hail, wind, or lightning — the HOA's master policy will respond. However, the master policy may have a high deductible ($10,000–$50,000) and coverage limits that are insufficient to cover the full scope of repairs. The HOA can then levy a special assessment on all unit owners to cover the shortfall. Without loss assessment coverage on your condo policy, you could be on the hook for thousands of dollars out of pocket.

Living in a condo means shared walls, shared common areas, and shared risks. If a guest slips in your unit, you're liable. If your dog bites a neighbor in the hallway, you're liable. If your unit floods and damages a neighbor's property, you're liable. Condo liability coverage is essential — and in Frisco's dense communities, the likelihood of neighbor‑related claims is higher than in single‑family homes. We recommend liability limits of at least $300,000, and an umbrella policy for additional protection.