Condo Insurance in Alabama
As an Alabama condo owner, a benefit is sharing the expense of insurance with the homeowner’s association and the other owners around you. That can further be a detriment. You don’t own the land or the building your unit is a part of.
As the owner of a particular Alabama property and the one that holds your personal possessions, you want to ensure you’re fully protected if there were an emergency, and that the policy will cover you from damages.
The Alabama HOA or Homeowner’s Association master plan is not one you can depend on for the items within the interior of your condo property.
If you want insurance to cover issues the HOA will not be responsible for, including potential property theft or the possibility of someone becoming injured in your home, you must obtain your own condo insurance.
You can get coverage through Larry Burkman Insurance Agency in Huntsville, AL. Some condos and mortgage lenders make this a requirement. Condo insurance is a blend of protections against perils such as liability from accident or injury, theft, fire, and displacement.
The HOA master policy is exceptionally advantageous for the building and property surrounding your home. Still, each homeowner is encouraged to have a personal policy insuring the interior contents of the condo.
Larry Burkman Insurance Agency in Huntsville, AL helps condo owners protect the inside of the building. Upon moving into the condo, a priority is to speak with the HOA management team for the property to see precisely what parts of the exterior and shared spaces are covered and those not protected.
When you speak with our agents, we can execute a policy tailor-made for your specific circumstances. You want to ensure your personal policy protects anything the HOA does not cover. Reach out by visiting our office or give us a call so we can set up your policy.