Practice Area

Condo Master Policy vs. Unit Owner Policy — Who Covers What?

Texas Property Code Ch. 82 · Insurance Code

Situation — How This Comes Up

My condo was damaged and both the HOA and my personal insurer are saying the other one is responsible.

What You Need to Know First

The dividing line between HOA master policy coverage and unit owner coverage is one of the most frequently disputed issues in Texas condominium law. The answer depends entirely on the declaration’s insurance provisions and the unit boundary definition.

Full Analysis

Texas condominium insurance disputes between master policies and unit owner policies turn on three questions: what the declaration defines as the unit boundary, what the master policy covers, and what the unit owner’s policy covers. These questions rarely have simple answers.

← Back to Resource Library

Facing This Issue Right Now?

Your situation deserves direct analysis.

Fifteen minutes is all it takes to understand your options and the next right move. No obligation. No intake coordinator. A direct conversation.

832-456-4371 · [email protected]

The information on this page is for general informational purposes only. Nothing here constitutes legal advice for any individual case or situation. This information is not intended to create, and receipt or viewing does not constitute, an attorney–client relationship. © 2026 Silachi Law Firm, PLLC · Texas Bar No. 24118480