Condo Insurance (HO-6)
Specialized insurance for condo owners covering your unit, personal belongings, and liability. Fill the gaps left by your HOA's master policy and protect your investment.
Why Condo Insurance Is Different
Your condo association's master policy covers the building structure and common areas—but it doesn't cover your personal belongings, interior improvements, or liability. If your unit floods, catches fire, or someone gets injured inside, you're personally responsible without condo insurance.
HOA Master Policy Covers
- • Building exterior
- • Roof and foundation
- • Common areas (hallways, pools, gym)
- • Parking structures
- • Landscaping
Your HO-6 Policy Covers
- • Interior walls, floors, ceilings
- • Cabinets and countertops
- • Appliances and fixtures
- • Personal belongings
- • Liability protection
- • Loss assessment coverage
What's Covered
Dwelling Coverage (Walls-In)
Covers everything from the drywall inward: flooring, cabinets, countertops, built-in appliances, bathroom fixtures, and any improvements you've made (upgraded kitchen, new flooring, etc.).
Personal Property
Covers your furniture, electronics, clothing, jewelry, and other belongings. Includes coverage for theft, fire, water damage, and other covered perils.
Liability Protection
Protects you if someone is injured in your unit or if you accidentally damage another unit (like a water leak that damages the unit below). Covers legal defense and settlements.
Loss Assessment Coverage
If the HOA's master policy has a large deductible or doesn't fully cover a loss (like tornado damage to the building), the HOA may assess all owners to cover the gap. This coverage pays your share.
Additional Living Expenses
If your condo becomes uninhabitable due to a covered loss, this pays for temporary housing, meals, and other living expenses while repairs are made.
Alabama Condo Insurance Costs
Important: Review Your HOA's Master Policy
Before buying condo insurance, request a copy of your HOA's master policy to understand exactly what's covered. Some HOAs have "all-in" policies that cover more, while others have "bare walls" policies that cover less. We'll review your HOA policy and recommend the right coverage for your situation.
Key Considerations for Alabama Condo Owners
Whether your condo is a primary residence in Birmingham or a vacation getaway in Gulf Shores, Alabama's unique environment presents specific risks. Standard HO-6 policies provide a great foundation, but tailoring your coverage to our state's climate and your HOA's specific master policy is crucial for comprehensive protection.
Navigating Coastal & Weather Risks
Alabama is no stranger to severe weather, including hurricanes along the coast and tornadoes further inland. It's vital to understand how your policy responds. While your HOA's master policy covers the building's exterior, wind and hail deductibles can be substantial, often calculated as a percentage (1-5%) of the building's total insured value. If the HOA levies a special assessment to cover this deductible, your Loss Assessment Coverage becomes your primary defense. We strongly recommend a limit of at least $50,000 for coastal properties to protect yourself from these potentially massive shared costs.
Understanding Your HOA's Master Policy
The single most important step in securing the right condo insurance is to thoroughly review your HOA's master policy. These documents determine where the association's responsibility ends and yours begins. Look for terms like "all-in" (which covers fixtures in your unit) versus "bare walls" (which does not). This dictates the amount of Dwelling Coverage you need. Don't just guess—let our agents at TCDS review the policy with you. We'll help you identify any gaps and ensure you're only paying for the coverage you truly need, preventing costly overlaps or, worse, devastating gaps.
Protect Your Condo Investment
Don't assume your HOA's policy has you covered. Get a personalized condo insurance quote today.
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