What does condo insurance (HO-6) cover?

HO-6 condo insurance covers your interior walls, floors, ceilings, personal property, liability, and loss of use. Your HOA master policy covers the building exterior and common areas.

How much does condo insurance cost in Alabama?

Condo insurance in Alabama typically costs $300-$800 per year, significantly less than homeowners insurance since the HOA covers the building structure.

Do I need condo insurance if my HOA has insurance?

Yes. Your HOA master policy only covers common areas and the building exterior. You need HO-6 coverage for your unit interior, personal belongings, and personal liability.

What is loss assessment coverage for condos?

Loss assessment coverage pays your share if the HOA levies a special assessment after a covered loss exceeds the master policy limits. We recommend at least $25,000 in coverage.

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.

Get Condo Insurance Quote Call (205) 847-5616

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.).

Typical coverage: $10,000-$50,000 depending on unit value and improvements

Personal Property

Covers your furniture, electronics, clothing, jewelry, and other belongings. Includes coverage for theft, fire, water damage, and other covered perils.

Typical coverage: $25,000-$100,000 (choose based on your belongings' value)

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.

Typical coverage: $100,000-$500,000

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.

Typical coverage: $1,000-$50,000

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.

Typical coverage: 20-30% of dwelling coverage

Alabama Condo Insurance Costs

Basic Coverage

$25K property, $100K liability

$250-400/year

Standard Coverage

$50K property, $300K liability

$400-600/year

Enhanced Coverage

$100K property, $500K liability, high loss assessment

$600-900/year

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.

Protect Your Condo Investment

Don't assume your HOA's policy has you covered. Get a personalized condo insurance quote today.

Get Your Quote Call (205) 847-5616

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