Condo Insurance Galveston TX
Get personalized condo insurance in Galveston, TX—local agents protecting your unit, belongings, and peace of mind with expert coverage since 1956.
Why Condo Insurance Matters in Galveston, TX
As a condo owner in Galveston, TX, your association’s master policy only covers the exterior and common areas—not your unit’s interior or personal belongings. That’s why specialized condo insurance is essential. With The O'Donohoe Agency, you get tailored local coverage built for life in Galveston, taking into account frequent storms, coastal weather, and unique Gulf Coast risks.
What Does HO-6 Condo Insurance Cover?
Condo insurance, or HO-6 insurance, protects the interior of your unit, your personal belongings, and personal liability. For Galveston residents, this means peace of mind whether you’re on the island full time or enjoy your condo as a vacation property. Add-ons like loss assessment and water backup are available. For even greater protection in flood-prone areas, see our Flood Insurance in Galveston, TX | The O'Donohoe Agency.
Key Benefits of Condo Insurance in Galveston, TX
- Covers your unit’s interior and fixtures—cabinets, flooring, appliances
- Protection for clothing, electronics, and valuables
- Personal liability coverage for accidents inside your condo
- Loss of use coverage if your unit is uninhabitable after a covered claim
- Add-on options: water backup, loss assessment, and more
Local Expertise for Galveston and Coastal Communities
With more than 65 years in business, The O'Donohoe Agency deeply understands the insurance needs of Galveston, Jamaica Beach, La Marque, Texas City, and League City. Our team stays current on Texas insurance requirements and coastal regulations, so you get expert guidance every step of the way. We’re involved in the Galveston community and help clients safeguard their condos against hurricanes, flooding, and unpredictable Gulf weather.
Personalized Protection Tailored to You
Every condo is unique—whether you own a historic unit near The Strand, a luxury property in East Beach, or a vacation home close to Schlitterbahn. The O'Donohoe Agency customizes policies for your needs and budget. Combine your coverage with Homeowners Insurance in Galveston, TX | The O'Donohoe Agency if you have other properties, and benefit from local support when you need it most.
Why Choose The O'Donohoe Agency?
- Serving Galveston since 1956
- Licensed Texas agents with coastal expertise
- Fast, friendly claims service
- Personalized guidance for local condo owners
- Strong community involvement and trust
How to Get a Condo Insurance Quote in Galveston, TX
Getting started is easy—contact The O'Donohoe Agency at 409-744-1888 or visit our local office on Stewart Rd. We’ll help you compare options, customize your condo insurance, and review potential discounts for bundling or security upgrades. Proudly serving Galveston, Jamaica Beach, La Marque, Texas City, and League City.
Request Your Condo Insurance Quote Today
Protect your Galveston, TX condo with tailored coverage from The O'Donohoe Agency. Discover affordable rates, local service, and peace of mind in every policy.
Frequently Asked Questions
Does condo insurance cover association deductibles?
Yes—optional coverage reimburses you if your association’s policy deductible applies to a covered loss.
How much does condo insurance cost in Galveston, TX?
Condo insurance in Galveston, TX typically ranges from $350 to $700 per year, depending on your coverage needs, building features, and location. Request a custom quote for the most accurate price.
How do I get a condo insurance policy in Galveston, TX?
Simply call The O'Donohoe Agency at 409-744-1888 or visit our office on Stewart Rd. We’ll guide you through coverage options tailored to your condo and budget.
Is flood insurance required for condos in Galveston, TX?
Flood insurance is often strongly recommended, and sometimes required by your mortgage or association. Flood coverage is not included in standard condo insurance, so ask about adding a separate policy.
What’s the difference between condo insurance and homeowners insurance?
Condo insurance (HO-6) covers your unit's interior, personal property, and liability, whereas homeowners insurance covers the entire structure and premises. If you own other properties, consider a separate <a href="/personal-insurance-galveston-tx/homeowners-insurance-galveston-tx">Homeowners Insurance in Galveston, TX | The O'Donohoe Agency</a> policy.
Does condo insurance cover short-term rentals in Galveston, TX?
Standard condo insurance may exclude short-term rentals. If you rent your condo on platforms like Airbnb, ask us about special coverage for rental activities.
Are valuables like jewelry or artwork covered by condo insurance?
Condo insurance covers personal belongings, but high-value items like jewelry or artwork may require additional coverage for full protection.
Can I save money by bundling condo insurance with other policies?
Yes, bundling your condo insurance with auto, flood, or other policies with The O'Donohoe Agency can qualify you for discounts and better rates.
