Month: November 2025

Fire, Wind, Vandalism: What Does a Condo Insurance Policy Cover in San Antonio, TX?

Posted on by admin

As a condo owner in San Antonio, TX, you’ll need insurance to cover fire, wind, vandalism, or theft, along with a few other potential negative curveballs life can throw your way. 

Most policies cover the following things, but there are other considerations and things typically not covered in a basic policy that you’ll need to ask your insurance professional about before finalizing a policy and its coverage limitations. Learn more from the professionals at Ellis Insurance Agency, serving the San Antonio, TX area.

What Typical Condo Policies Cover in San Antonio, TX

  • Your condo’s interior. Walls, floors, and fixtures are all covered in most policies. The condo association’s master policy will also usually cover things that aren’t your specific unit, like the exterior of the building, connecting hallways or breeze ways, common areas, and more. 

  • Your personal property, including furniture, clothing, electronics and more. You may need a separate policy for things like jewelry and watches of higher value. 

  • You, if you are sued by someone else for damaging their property or if someone is hurt at another unit. 

  • Medical expenses of guests who are hurt while visiting your condo.

  • Hotel bills, restaurants, or other living expenses if a covered event like fire causes you not to be able to stay in your condo.

What Some Condo Policies May Additionally Cover in San Antonio, TX

  • Some insurance policies include some coverage for costs associated with identity theft.

  • Some policies include levies against the condo association for damage to common areas after a catastrophe like a flood or fire.

Some Condo Coverages You May Need to Add 

  • Not all policies cover damage from floods. You may need to add this or get a separate policy for this unfortunate potential event. 

  • Umbrella insurance. This is insurance that provides extra liability coverage on top of your existing policies.

  • Extra coverage for valuables like guns, jewelry, fine art, and other high-ticket items.

  • Not all policies cover smart TVs, cellphones, or other expensive electronics. You may need an addendum to cover those things.

Call us at Ellis Insurance Agency, serving San Antonio, TX and the surrounding area, for more information on condo insurance today.

Ellis Insurance Agency Gives Back in a Big Way with Safeco/Liberty Mutual

Posted on by Ashley Ellis

At Ellis Insurance Agency, giving back to our community isn’t just something we talk about; it’s part of who we are. Recently, we had the opportunity to partner with Safeco/Liberty Mutual in a unique and meaningful way, turning a business accomplishment into an unforgettable act of service.

As part of our ongoing collaboration, Safeco/Liberty Mutual challenged us to reach certain business goals. When we achieved them, instead of accepting the reward for ourselves, we decided to do something different. Something bigger. Something fun.

Introducing… the EIA Grocery Games!
With the support of Safeco/Liberty Mutual, our team brainstormed a creative and energetic way to give back: a Grocery Games contest! We split into two teams here at EIA and headed to our local H-E-B to shop for a cause, focusing on purchasing the items most needed on the SA Food Bank’s list.

The rules were simple:

Each team had to get as close to $500 as possible — without going over.

It was fast, it was competitive, and it was a blast.

In the end, both teams came incredibly close, and together we purchased $1,000 worth of food, totaling 480 pounds — all donated directly to the San Antonio Food Bank.

A First in Texas

We’re proud to share that Ellis Insurance Agency is the only agency in Texas to give back their business-goal reward in this way. Because of this, the Safeco/Liberty Mutual team joined us in-store, filming and photographing the entire experience. They plan to share a highlight reel soon, so stay tuned!

A Heartfelt Thank You

We couldn’t have done this without our amazing EIA family who brings passion and purpose to everything we do. And a huge thank you to our partners at Safeco/Liberty Mutual for embracing our idea and helping us make a real impact while having a whole lot of fun in the process.

Community matters. Creativity matters. And at EIA, we’re proud to continue leading with both.

Stay tuned for the video and thank you for supporting Ellis Insurance Agency!

Ellis Insurance Agency named 2025 Best Practices Agency

Posted on by Ashley Ellis

San Antonio, TX, August 2025 – Ellis Insurance Agency has earned the 2025 Best Practices Agency status, joining an elite group of independent insurance agencies from across the United States.

The Best Practices Agency designation is awarded to participants in the Best Practices Study, which analyzes and documents the business practices of the highest-performing insurance agencies in the industry.

This year, 1,146 independent agencies throughout the U.S. were nominated to compete for this coveted designation and only 348 agencies scored high enough to qualify as a Best Practices Agency.

“This is a testament to our dedicated team who spend countless hours providing the best service to our wonderful (and loyal) clients.  We are humbled by this honor and will continue to work hard for the clients we help protect.” – Lee Gamel, President

Since 1993, the Independent Insurance Agents & Brokers of America (IIABA or the Big “I”) and Reagan Consulting, an Atlanta-based management consulting firm, have joined forces to study the country’s leading agencies in seven revenue categories.

Best Practices Agencies are selected every three years through a rigorous nomination and qualifying process. Each agency must be among the 35-45 top-performing agencies in its revenue category to be awarded Best Practices status.

Best Practices Agencies retain their status annually during the three-year cycle by submitting extensive financial and operational data for review. 2025 is the first year of the current three-year study cycle.

Ellis Insurance Agency was founded in 1980 and can offer insurance products from a number of different companies you can see HERE.

For further information, please contact Lee Gamel of Ellis Insurance Agency at 210-979-9000.

Founded in 1993, Reagan Consulting provides M&A advisory, capital raising, valuation, growth consulting, perpetuation planning, and industry research to the nation’s leading insurance brokerages.

Founded in 1896, the Independent Insurance Agents & Brokers of America (the Big “I”) is the nation’s oldest and largest national association of independent insurance agents and brokers, representing over 25,000 agency locations united under the Trusted Choice brand. Trusted Choice independent agents offer consumers all types of insurance — property, casualty, life, health, employee benefit plans, and retirement products — from various insurance companies.