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Condo insurance protects the interior of your condo and your personal belongings when they’re damaged or stolen.

Condo insurance along the Alabama and Florida Gulf Coast can provide you with many benefits. Even though your condo association has a master policy, it won’t do much to protect you and your specific property. The master policy won’t repair the inside of your condo, and it won’t replace stolen or damaged belongings.

What Does Condo Insurance Cover?

  • Personal Liability Coverage: If an accident happens on your property, you are legally responsible, even if you aren’t present. You can also be held liable for accidents that occur away from your property if you or your family members cause one. This part of your policy will cover bodily injury or property damage to others.
  • Loss Assessment Coverage: It’s essential to know the coverage of the master condominium association policy. If damage occurs that is beyond those limits, you and your neighbors can be responsible for making up the difference. When setting up your insurance policy with Align Insurance Group, make sure you understand those association limits so you can get the right coverage.
  • Personal Property: Having to purchase contents for your home can be costly and your condo association will not cover your belongings if they are damaged or destroyed. Inventory your belongings to make sure you have enough coverage and choose between actual cash value and replacement value. You may want additional coverage for fine art or jewelry.
  • Permanently Attached Building Items: Your policy can provide coverage for structures that are permanently attached to the inside of the condo. This coverage can include floors and wall furnishings that your condo association may not cover.

Find the best policy today.

We know Alabama and Florida insurance law so contact us today for a personal quote.