HO-6 Policy Form in Texas Homeowners Insurance
The HO-6 policy form in Texas homeowners insurance is the condominium unit owners form providing named-peril personal property coverage, interior dwelling improvements coverage, liability coverage, and loss of use structure under Texas regulatory standards.
Definition
The HO-6 policy form in Texas is a homeowners insurance form designed for condominium unit owners. It provides coverage for personal property, interior building components for which the unit owner is responsible, liability exposures, and loss of use benefits. Personal property is insured on a named-peril basis unless modified by endorsement.
The HO-6 form functions within the Texas homeowners insurance framework as the designated policy form for condominium unit ownership, aligned with the structural logic of other forms such as the HO-3 policy form and HO-5 policy form.
Structural Components
The HO-6 policy form typically includes these structural components:
- Interior dwelling coverage – A limited form of dwelling coverage for interior surfaces, improvements, and betterments the unit owner is responsible for.
- Named-peril personal property coverage – Personal property coverage applies only to listed perils.
- Loss of use coverage – Loss of use coverage provides defined habitability-related benefits after a covered peril.
- Personal liability coverage – Personal liability coverage insures certain third-party liability exposures.
- Medical payments coverage – Medical payments coverage provides no-fault benefits to others.
- Valuation structure – Losses may be settled using ACV or RCV terms depending on endorsements and form configuration.
These components define the operational framework of the HO-6 form in Texas.
Parameters & Conditions
The HO-6 policy form operates under the following parameters in Texas:
- Named-peril structure – Only listed perils apply to insured personal property unless modified.
- Interior structure limitation – Coverage applies only to the interior aspects of the unit owned by the policyholder.
- Coverage limits – Coverage C, D, E, and F apply with defined limits set by the policy.
- Exclusions – Exclusions impose boundaries even on listed perils.
- Coordination with HOA master policy – Coverage interacts with what the condominium association’s master policy insures.
- Texas regulatory oversight – Policy forms must comply with Texas Department of Insurance standards.
These parameters define how HO-6 coverage applies within Texas homeowners insurance.
Topic Relationships
The HO-6 policy form relates to multiple homeowners insurance topics:
- Homeowners insurance
- HO-A policy form
- HO-B policy form
- HO-3 policy form
- HO-4 policy form
- HO-5 policy form
- Personal property coverage
- Dwelling coverage
- Loss of use coverage
- Personal liability coverage
- Medical payments coverage
- Named perils
These relationships position the HO-6 form within the Texas homeowners insurance ontology.
Exceptions, Limitations & Boundaries
The HO-6 policy form includes distinct limitations:
- No coverage for exterior building elements – Exterior structures are typically insured by the HOA’s master policy.
- Perils must be listed – Unlisted causes of loss to personal property are not covered.
- Exclusion structure – Exclusions apply to all coverage parts.
- Sub-limits – Certain categories of personal property are subject to defined special limits.
- Not a maintenance contract – Wear, tear, and deterioration are excluded.
- Texas-specific variations – Insurers may file variations subject to state approval.
These boundaries define the operational scope of the HO-6 form in Texas.