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Based on 2,023 reviews
I heard about TGS Insurance Agency on the radio and was skeptical about it but decided to text them and the process was so easy. The TGS Insurance Rep Kenneth Lee was so pleasant to work with and made the entire process so easy and stress free. From the time I texted until the very end took really no time at all because TGS did all the leg work for me and handled it perfectly. I changed homeowners insurance like I had wanted to but ended up changing auto insurance companies also. TGS saved me $1,000 a year for my homeowners & saved me $100 a month for my auto insurance. I would highly recommend TGS to anyone looking for new insurance or just wanting to change insurance providers. Way to go TGS!
My existing home and auto insurance (GEICO) were very high and TGS Insurance agent reduced both insurances substantially. The insurance details were discussed with me. The agent also initiated the cancellation of my existing home and auto insurances. It was a seamless transfer. Overall experience is excellent. Highly recommend others to try TGS insurance during switching their auto and / or home insurance..
Tie was great she reviewed everything to assure we received the coverage that worked for us. I would highly recommend reaching out you will not be disappointed
I was pleased with the assistance I received in obtaining my house and auto polices. I was disappointed with Sage Sure Insurance and the way I was bullied into taking a policy I didn't want then having to wait to get my down payment back from them knowing I will not get all of the payment refunded.
TGS provided fast and efficient service to insure my home and auto at a very reasonable price. The insurance agent was thorough and quick to provide details and information regarding the coverage on both policies. I would highly recommend this company for anyones insurance needs.
The agent, Luke Miller, was great! He was patient with me and very knowledgeable. He also helped me navigate my internet When I stumbled.
Great customer service, quick quotes from multiple insurance agencies. I received a quote almost cutting in half the yearly cost of my previous insurance carrier.
JR was very helpful, friendly and knowledgeable in all of my interactions with him. He got me a great rate for my cars and home and made me feel confident I made the right choice going with TGS.,
No pressure sales. The agent was about to find me an excellent deal on home/car and before she signed us up, she wanted to check one more company and found us an even better deal.
Great customer service to find the lowest prices available
Daniel Parelta is excellent, works hard for you and TGS is lucky to have people like him in this environment.
Texas Condo Insurance
Condominiums have progressively become the more prominent housing choice in Texas’s metropolitan areas and owning vacation condos continue to be popular among Texans. Whether your condo is your primary home, a vacation home, or a rental, you will need to understand the types Texas condo insurance coverages available.
Condo insurance, also known as HO-6 insurance, provides coverage for personal liability and living fees if your condo becomes unlivable. They also have policies called wall-in protection for your particular unit, while the condo association’s policy protects the shared areas of the entire building.
Knowing the ins and outs of condo insurance can seem overwhelming, but we are here to help. TGS agents are ready to serve you and your condo insurance needs!
What does condo insurance cover in Texas?
To fully understand the type of coverage you will need, it is important to understand the type of coverage your condo association or HOA has to protect the entire building and common areas. They are responsible for providing coverage on the common areas, the exterior of the building, as well as elevators and hallways. The price of the master policy is split between all of the condo owners, typically in the form of HOA fees. Below are three types of coverage the master policy protects:
- All-in coverage: This coverage, also called inclusive coverage, covers all common areas in the event they need renovations or improvements.
- Bare walls coverage: Covers any property that is jointly owned by the condo association such as the structure of the building, as well as fixtures and furnishings in the common areas.
- Single entity coverage: Similar to the protection bare walls coverage, it ensures all the built-in property like the fixtures in each distinctive unit.
Knowing what’s included in your master insurance policy is important because it affects the price of your condo insurance. Before you purchase your condo insurance, be sure to ask for the declarations page for the master insurance policy to see what type of coverage they are providing, so your TGS Insurance agent can help build you a policy that covers any gaps.
After determining the type of coverage your master policy protects, then you’ll need to understand the types of coverage you can purchase within your own policy to protect your condo unit. Below are the types of condo coverages you can obtain:
- Building Property Coverage: Protects the unit itself, including walls and fixtures.
- Personal Property Coverage: Covers the furniture, electronics, and other moveable objects.
- Personal Liability Coverage: This covers the legal or medical expenses from a claim or lawsuit when you are at fault.
- Loss of Use Coverage: Helps pay for the costs in the event your condo becomes inhabitable due to an incident.
- Loss Assessment Coverage: This protects you from paying out of pocket if your condo association requests a special evaluation for costs related to an insurance claim that doesn’t involve your condo itself.
How much does Texas condo insurance cost?
The average annual price for condo insurance is about $740, but depending on where you live that number can fluctuate. Texas condo insurance policies can sometimes run higher because Texas has more hurricanes and tornadoes than other states. There are a few factors that can determine your price including:
- Your condo association’s master policy
- Credit history
- The condo’s age and condition
- How much protection you are wanting
- Deductible amount
- Condo insurance discounts (bundle deals)
Is condo insurance required in Texas?
Yes, in Texas, if you own a condo and pay a mortgage on it, then you are required to have condo insurance. However if you just rent a condo, then you’re not required to have condo insurance, but we highly recommend you acquire a basic policy to cover you in any unforeseen event.
What’s the difference between homeowners insurance and condo insurance?
The major difference between homeowners insurance and condo insurance is the amount of coverage each type of policy needs. When you purchase a home, you are accountable for the interior and exterior of the house, such as the front and backyard, garage, and any type of structure on your property. In contrast, owning a condo means you are typically only responsible for the inside of your specific condo unit and the property you put in it.
How to buy condo Insurance (HO-6)
You can purchase condo insurance by visiting any insurers’ website, or you can use the experts at TGS Insurance. Our team will work diligently to shop your policy through a number of A-rated or better carriers and ensure you get both the best coverage and rate available.
You can get a hassle-free quote by providing us with some basic information online or by giving us a call at 1-855-771-4509. We take the hassle out of shopping for insurance and will shop your rate year after year to ensure you’re always paying the lowest price possible, without sacrifice in coverage.
Condo Insurance FAQS:
Does condo insurance cover water leaks?
No, your condo insurance does not cover water leaks. It might cover damages if there is sudden accidental harm to your unit. You are typically covered for the following water type accidents:
- Water Heater
- AC systems
Do condo HOA fees include insurance?
Yes, HOA fees include insurance for damages to the common areas of the building and the exterior of the building as well.