If you’re considering buying a condo in Alabama, don’t forget to factor in condo insurance. Your condo’s master insurance policy covers your building and common areas. You’re responsible for protecting your unit and possessions. You’re also liable for accidental injuries of people who visit your condo. With condo insurance from Hapbridge, you can protect your unit, personal goods, and assets against the risk of liability claims. Here’s what you should know about condo insurance in Alabama.
Condo dwelling coverage protects the interior of your unit against perils like fire, hurricane, or tornado damage. If your unit sustains damage to its walls, flooring, carpeting, built-in appliances, or other attached structures, dwelling coverage will help cover repairs, up to the limit of your policy. Alabama is no stranger to natural disasters. After investing so much money into a condo, it only makes sense to protect it with insurance coverage.
Condo property coverage protects the contents of your condo, i.e., your belongings. This includes furniture, appliances, electronics, and artwork, along with your wardrobe. Even if you don’t own high-end items, their collective value could add up to a substantial amount of money if it were all lost in a fire. That’s why this coverage is so important. Property insurance also covers theft and vandalism to protect your valuable items.
If you like having friends over to your condo, you need liability coverage. Liability insurance covers the medical bills of people who have accidents on your property. Condo accidents are widespread, particularly incidents with slip and falls. Liability also covers kitchen burns, broken bones from falling down the stairs, dog bites, and other mishaps that can occur when people visit your condo.
For condo insurance coverage that you can trust, look no further than Hapbridge. We’re here to meet all your condo insurance needs.
While our office is located in Vestavia Hills, AL, we serve all of Alabama