The top-rated condo insurance agent in Denison, Texas is Jake Shockley - State Farm Insurance Agent, rated 5.0 stars across 285 reviews. Other highly rated options include Oden Insurance, Larry Landrum - State Farm Insurance Agent, David Means: Allstate Insurance. This directory lists 13 condo insurance agents serving Denison.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Jake Shockley - State Farm Insurance Agent | 5101 Gateway Blvd Suite 107 | (903) 462-0152 |
| 2 | Oden Insurance | 618 W Woodard St | (903) 465-0620 |
| 3 | Larry Landrum - State Farm Insurance Agent | 1100 W Main St | (903) 463-4620 |
| 4 | David Means: Allstate Insurance | 120 S Austin Ave #102 | (903) 463-6751 |
| 5 | Jim McClure - State Farm Insurance Agent | 2220 W Morton St | (903) 465-1103 |
| 6 | Charles Holder Insurance Agency, Inc. | 601 W Main St | (903) 296-3829 |
| 7 | Sandra Phillips - State Farm Insurance Agent | 2521 W Morton St | (903) 463-3740 |
| 8 | Phillips Insurance Agency | 212 W Main St | (903) 465-3167 |
| 9 | Bayless-Hall Insurance Inc | 501 W Woodard St | (903) 465-8383 |
| 10 | Hempkins Insurance | 431 W Crawford St | (903) 463-6251 |
Jake Shockley - State Farm Insurance Agent serves the Denison, Texas area as a provider of condo insurance. Condo insurance from this agent covers personal property, liability protection, and building improvements made by the unit owner. Policies here help address gaps between a master association policy and a resident's personal coverage needs. Common handled services include loss assessment coverage for shared expenses and extended replacement cost options for interior renovations.
Oden Insurance provides comprehensive condo insurance policies tailored to property owners in Denison, TX. Its services include coverage for personal liability, interior structural damage, and loss of personal belongings. The company offers guidance on selecting appropriate deductibles and policy limits to match individual needs. Maintenance plans typically involve annual policy reviews to adjust coverage based on changing home values or renovations. Oden Insurance services a range of property types, including single-family homes, apartments, retail spaces, and restaurants throughout the local area.
Larry Landrum - State Farm Insurance Agent serves local homeowners, property managers, and condominium associations in the Denison, TX area with personalized condo insurance policies. The agency works to help property owners understand their coverage needs, including protection for common areas, individual units, and shared liabilities. Each policy is designed to align with the unique regulations of a condominium complex. This agent also extends its services to residents and property owners in nearby Sherman, providing consistent support throughout the North Texas region.
Serving Denison, Texas, and the surrounding communities, David Means: Allstate Insurance handles condo insurance for local homeowners and condo association needs. As a condo insurance agent, the company addresses building property coverage and individual unit contents for policyholders. David Means: Allstate Insurance provides customized policies that protect against common perils such as fire, theft, and liability. To handle a typical job, the agent first reviews the specific condo association master policy to determine coverage gaps, then recommends supplemental personal coverage that fills those gaps.
Jim McClure’s agency specializes in arranging condo insurance policies that cover interior structures and personal liability, with additional options for loss assessment coverage. The team also handles auto, life, and health insurance for Denison residents. For condominium owners, it regularly advises on aligning individual policies with master association plans to prevent gaps. A common seasonal concern is coordinating coverage for vacation rentals or winterizing a unit for extended absences, ensuring protection against frozen pipe damage during colder months.
For condo insurance, homeowners can choose a one-time policy or an ongoing plan that updates coverage as needs change. Charles Holder Insurance Agency, Inc. in Denison, TX helps clients protect their units from common risks such as fire, theft, and liability. Property assessments and loss assessments may also be covered under appropriate plans. These professionals guide owners through available endorsements and deductibles. Service is available on a one-time, scheduled, or as-needed basis depending on the client’s preference.
Winter in Denison can bring ice storms that test a condo's exterior, prompting local owners to review their coverage needs. Sandra Phillips - State Farm Insurance Agent provides policy guidance for individual unit losses and liability exposure common in shared buildings. The agency explains how master policies interact with personal property limits, helping owners protect appliances and upgrades. A typical new client begins with a call to discuss building age, roof condition, and recent claims history before scheduling an in-person inspection of the unit.
Phillips Insurance Agency in Denison, TX assists individuals with protecting their residential property and personal belongings through specialized coverage options. As a condo insurance agent, it helps clients address the unique gaps left by a building’s master policy. The agency evaluates liability risks and contents valuation to build effective plans. It serves commercial sectors such as offices, warehouses, and food service operations, offering property and general liability protections tailored to each business type.
Bayless-Hall Insurance Inc provides residential condo insurance services in Denison, Texas, along with commercial coverage options for local property owners and businesses throughout the surrounding area. The agency helps clients select policies that protect individual units and shared building structures from common regional risks. After initial consultations and policy placements, the team maintains ongoing contact to review coverage needs and adjust plans between regular scheduled visits.
Hempkins Insurance in Denison, TX is known for helping condo owners protect their individual units and personal property from common perils. The agency works with local condominium associations and individual policyholders to customize coverage for interior structures and liability needs. Condo policies typically address gaps left by the master association plan. When discussing coverage, the agent can add ordinance or law endorsement for updated building codes after a loss.
What Does a a Condo Insurance Agent in Denison Cost?
The cost for a condo insurance policy in Texas typically ranges from 300 to 800 dollars per year for a standard unit. Factors that affect the price include the value of your personal property, the deductible you choose, and the location of your condo in Denison. Older units or those near flood zones may have higher premiums. This is general information and not insurance advice.
About condo insurance agents in Denison
A condo insurance agent in Denison Texas helps you protect your unit with an HO-6 policy. Texas law requires your condo association to cover the building but you need coverage for your personal property and interior improvements. A local agent can explain how Texas property laws affect your deductible and loss assessment coverage.
Frequently Asked Questions
What does a condo insurance agent in Denison do?
A condo insurance agent helps you choose an HO-6 policy that covers your personal belongings, interior walls, and fixtures. They also explain loss assessment coverage which is important under Texas condominium laws.
Do I need condo insurance if my association has a master policy in Texas?
Yes. The association master policy usually covers the building structure and common areas. Your individual HO-6 policy covers your personal property, liability, and improvements you make to the unit. Texas law does not require you to have this coverage but your lender likely will.
How does Texas law affect my condo insurance deductible?
Texas law allows your condo association to have a deductible on the master policy. If a claim is made on the master policy you may be responsible for paying that deductible. Your HO-6 policy can include loss assessment coverage to help pay this amount.
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