What all does Blanket Insurance cover in a Condo or Townhome?

Asked by Tameo, Addison, TX Thu Jul 30, 2009

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Bruce Ericks…, Agent, Dallas, TX
Thu Jul 30, 2009
As an Insurance Agent in Texas I can tell you that it really does not mean anything. It is a generic term that can mean anything. The only way to know what kind of insurance coverage a Home Owners Association has and to know what kind of coverage you the owner should have will be governed by that Assocations bylaws.

When you find the property that you are interested in, ask for a copy of the Bylaws and contact information for the HOA and give it to your insurance agent. Let them call and find out what coverage is right for you. Then the agent can review it with you.

Good Luck, Bruce (Judge Fite Insurance)
1 vote
The United H…, Agent, Mansfield, TX
Wed Sep 18, 2013
To go more in depth please contact a reputable insurance agent however I would think blanket insurance covers exterior features and the property itself not your personal effects. Check your bylaws many Townhomes/Condo's have regulations requiring you to go through their own insurance provider for property insurance policies.

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0 votes
Kenneth "Ken…, Agent, Dallas, TX
Fri Jul 26, 2013
That is a question for an insurance person.
0 votes
Dominick Dina, Agent, San Antonio, TX
Fri Jul 31, 2009
Hi Tameo,

Read the insurance policy to see what it does and does not cover. If it is not in writing then it is excluded.

Best wishes,

Dominick Dina, Broker/Owner
Christian Realty San Antonio
0 votes
T.E. & Naima…, Agent, Dallas, TX
Thu Jul 30, 2009
p.s. Additional items that blanket insurance could cover:

Personal injury
Medical expenses

As a buyer, you get a copy of the insurance binder that explains exactly what is covered.

0 votes
Dallas Texas, Agent, Dallas, TN
Thu Jul 30, 2009
Each community has it's own type of insurnace, it cover exterior of building structure(s) not the interior.

Your buyers agent can assist you with additional questions.

Also in HOA defines all

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0 votes
T.E. & Naima…, Agent, Dallas, TX
Thu Jul 30, 2009
It covers the entire exterior of the structure such as roof, siding, in case of fire, flooding etc. You would still need homeowners insurance to cover your belongings and the interior of the condo.

Web Reference:  http://www.SumnerRealty.com
0 votes
Do you get any reduction in your homeowners insurance rate if the condo/townhome has blanket insurance?
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