Condo insurance differs from regular homeowners insurance because it only covers what’s inside your unit. While your condo association’s master policy takes care of the building itself and shared areas, your own coverage with Birmingham Insurance Agency LLC, serving Birmingham, AL, is essential to protect your space and belongings.

What Condo Insurance Typically Covers

Your personal condo policy generally helps with repairs to the interior of your unit. This includes walls, flooring, countertops, appliances, and fixtures. If something unexpected happens—like a kitchen fire or water damage from a broken pipe—your policy steps in to cover the repairs.

Condo insurance also covers your personal belongings. Items such as furniture, electronics, clothing, and valuables are typically included, as long as the damage is caused by a covered event like fire, theft, or certain types of water damage. Additionally, condo insurance provides liability protection. For example, if someone is injured inside your unit or you accidentally cause damage to a neighbor’s property, your policy may help cover medical or legal costs.

What Condo Insurance Usually Does Not Cover

Condo insurance doesn’t cover everything. Damage to shared parts of the building—such as the roof, lobby, or hallways—is handled by the condo association’s master policy. Events like floods, earthquakes, and pest damage typically require separate coverage.

It’s also important to note that regular wear and tear or issues stemming from poor maintenance are not covered. Additionally, if your condo association issues a special assessment to pay for shared damage, your policy may only cover part of that cost.

Ensure You’re Fully Covered

Work with an experienced insurance agent in Alabama to compare your condo association’s master policy with your own coverage through Birmingham Insurance Agency LLC, serving Birmingham, AL. This will help you identify any gaps and ensure you’re fully protected before a claim arises.