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Condo Insurance

As a condominium owner, you might expect the insurance policy provided by your homeowner association (HOA) to cover your home. Unfortunately, the typical HOA policy does not cover the interior of your condo and its vital contents, which is why it's crucial to secure the proper insurance and make sure you are covered. BRIA Insurance & Risk Consultants provides condo insurance to clients in Austin, Lakeway, Bee Cave, Round Rock and surrounding areas.

Understanding your Existing Condo Coverage

Generally, HOA insurance will cover damage to the exterior of the condominium building and common areas, such as walkways and stairs. However, it does not cover the interior walls and incidents that may happen inside of it, as well as your belongings on the premises.

Condo insurance (also known as an HO-6 insurance policy) can cover the following events:

  • Explosions
  • Fire
  • Hailstorms
  • Lightning
  • Slips, falls and injuries
  • Theft/break-ins
  • Vandalism and malicious mischief
  • Water-related accidents and damage (e.g., burst pipes)
  • Windstorms

Keep in mind that even if the HOA policy does cover damage, there might be limits to what the HOA's policy limit will allow. For example, some HOA policies won't cover plumbing or wiring-related issues. It's important to keep yourself informed on what your current coverage is and make sure you're protected.

Protect your Home

Other factors will also determine what kind of condo insurance is right for you, such as where your home is and what kind of materials were used to construct the building. Don't put off planning in the event of a disaster for your home and contact the team at BRIA Insurance & Risk Consultants to request a free quote.

Our Location

BRIA Insurance & Risk Consultants

4601 Spicewood Springs Rd
Building 2, Suite 200
Austin, TX 78759
Main office: 512-343-1106
Toll free: 800-611-3004

Our Providers

We have been using BRIA as our insurance provider for over twenty years and have been very pleased with their service and expertise in handling all of our claims. We have been approached by other companies and BRIA has continued to deliver better service and more.
Ralph E. Wilson - Wilson Roofing
Many thanks again for the turkey and the wine for me. So often, I get forgotten in the shuffle. You are the best insurance agent I have ever seen. Bill and Dee Dee and Dawn are so prompt.
Pat Turner - Ideal National Mechanical
Since the inception of SunTerra Landscape Services in 2005, we've partnered with John Buchanan and BRIA. Over that time, they have come to be trusted advisors and, probably more importantly, advocates on our behalf. BRIA helps me understand the strengths and weaknesses of each carrier.
Chris Carmouche - SunTerra Landscape Systems
We've worked with BRIA Insurance and Risk Consultants for several years and have been very pleased with their professionalism, service and thorough approach to assessing areas of potential risk in our operations.
Kevin Kelleher San Luis Spirits
We have used BRIA for our overall insurance needs for almost 20 years and really appreciate all of the comparisons they give us. Our professional liability has always been somewhat of a problem because of the area of our practice and they have worked very hard.
Jean Nelle Ray, Wood & Bonilla
I have enjoyed doing business with BRIA since the late 60s. I consider Bill a man of high integrity and have enjoyed seeing his business grow to serve more clients with new services. BRIA has worked to create a good value and excellent service.
Michael N. Hart, P.E. Energy Engineering Associates
The level of service our company receives from BRIA is consistently fast, friendly, efficient, and reliable. I never hesitate to call for advice because talking to my agent at BRIA is more like talking to a friend.
Linda - RZ Communications
BRIA has been our insurance broker for over 15 years. They are not only the best brokers, but have become our best friends. The staff is professional, responsive and extremely knowledgeable of the insurance market. BRIA does a fantastic job of assessing our needs, going above and beyond.
TGB Partners