What HOA insurance do associations in Texas need?

Associations in Texas typically need a coverage stack sized to the association type and governing-document requirements: a master property policy (bare walls, single-entity, or all-in depending on the community type), general liability, directors and officers (D&O) liability for the board, fidelity/crime bond, umbrella or excess liability, and workers compensation where the association has employees. Texas is most active in: Condo HOA, Townhome / PUD, Master-planned community. Each association type carries distinct coverage architecture driven by governing docs, lender requirements, and state statute.

Which association types are most active in Texas?

Texas community-association activity concentrates in Condo HOA, Townhome / PUD, Master-planned community. Each association type has distinct insurance program structure - governing-document coverage requirements, lender warrantability standards, and reserve/SIRS obligations shape the placement.

How much does HOA insurance cost in Texas?

HOA insurance cost in Texas varies by association type, door count, building age, and catastrophe exposure - there is no single quotable number. Run the free policy checker for a range specific to your association, or see the cost guide for typical bands by association type.

Who places specialty HOA insurance in Texas?

HOA Insurer places specialty community-association insurance programs in Texas and across the United States. The practice serves condo and HOA associations, townhome/PUD associations, master-planned communities, high-rise condominiums, co-ops, and 55+/active-adult communities, translating governing-document and lender requirements into a program that complies, and placing through the dedicated community-association specialty markets.

TL;DR

Texas HOA/condo insurance: association-type-specific coverage architecture for Condo HOA, Townhome / PUD, Master-planned community, and the other association types active in the state.
Built around governing-document coverage requirements, lender warrantability standards, and the regulatory framework specific to Texas associations.

Texas community associations

HOA & Condo Insurance in Texas

Texas HOA and condo insurance, where the statutory floor is lower than the lender standard. The 80 percent statutory minimum is not the same as warrantability

Texas is a large, fast-growing community-association market with a hail and wind exposure that shapes property pricing across most of the state. The statutory insurance floor is modest, which makes the gap between the legal minimum and the lender standard the central issue for most boards.

We read a Texas program against both bars at once: the Property Code minimum and the higher replacement-cost standard a conventional lender will actually require at a unit sale.

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Last updated July 7, 2026

Texas HOA & condo insurance

Cluster shape

Texas HOA and condo insurance risks

Metro condominium and townhome associations across the major Texas markets carry the classic valuation-basis and warrantability exposure, layered on top of a severe convective storm and hail environment that drives deductible structure.

Master-planned communities, which Texas has in abundance, add amenity liability and umbrella sizing to the property conversation.

Regulatory

Texas HOA insurance requirements

For condominiums, Texas Property Code Section 82.111 requires the association to maintain property insurance on the insurable common elements against direct physical loss, including fire and extended coverage, in an amount of at least 80 percent of replacement cost or actual cash value, plus commercial general liability in an amount set by the board and the declaration. For condominiums with horizontal boundaries, stacked units, the property insurance must also cover the units.

That 80 percent statutory floor is the key practitioner point. It is below the 100 percent replacement-cost standard the Fannie Mae Selling Guide (section B7-3) requires for a conventional loan to be warrantable. A Texas association can satisfy the Property Code and still fail a lender insurance review, so the program should be sized to the lender bar, not the statutory minimum.

Texas statutory requirements at a glance

Property insurance floor: 80% of replacement cost or ACV (Prop. Code 82.111)
Fidelity / crime requirement: Not statutorily set
Structural reserve study: None
Milestone inspection: None
Primary statute: Tex. Prop. Code 82.111

A state floor is a minimum. Lender warrantability standards often require more, most notably 100 percent replacement cost with no coinsurance for a warrantable condominium. See how all 51 jurisdictions compare.

Market commentary

Texas HOA insurance costs and market conditions

Hail and wind are the dominant loss drivers, and roof and deductible structure carry most of the premium conversation. Percentage wind and hail deductibles are common in the more exposed regions, and they pass through to owners the same way a coastal wind deductible does.

Placement runs through the community-association specialty markets, sized to the building type and the storm exposure. The most common gap we find is a program written to the 80 percent statutory floor rather than to full replacement cost, which surfaces at the worst time, at a claim or a unit sale.

Texas coverage review

A specialist will review your policy within one business day.

Send your governing docs, master policy declarations page, or lender letter - whatever you have. A specialist returns a plain-English review within one business day.

NameSo we know who to ask for.Work emailSo we can send the coverage review.PhoneSo a specialist can reach you on a tight deadline.Association nameSo we route to the right specialist.Association typeDetermines which requirements typically apply.RoleHelps us route to the right specialist.What's driving thisTells us how urgent the timeline is.Door count / unitsOptional. Helps us size the program.Anything else?Optional. What you need help with, deadlines, or context.

Texas practice focus

Association types most active in Texas.

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Coverage by association type

Texas insurance for every association type.

Free coverage review

A specialist will review your policy within one business day.

No marketing sequences, no list rental. Specifically for Texas HOA and condo associations.