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Fortified Home Associate
Auto Insurance In Gulf Shores AUTO & HOME

Serving the primary needs of Orange Beach and Gulf Shores Insurance needs.

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Business Insurance In Gulf Shores BUSINESS

We specialize in workers comp and liability to protect your business and employees.

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Condo Insurance In Gulf Shores CONDO

We insure all condos in Gulf Shores and Orange Beach through our list of carriers.

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Flood Insurance In Gulf Shores FLOOD

We write through a host of carriers to find great insurance rates in Orange Beach and Gulf Shores.

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Marine Insurance In Gulf Shores MARINE

We have access to nationwide insurance carriers to insure everything from skiffs to yachts in the beautiful waters in Gulf Shores and Orange Beach.

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Life Insurance In Gulf Shores LIFE

Let us help you understand the value of life insurance while we find the best rate in the area to save you money and give you peace of mind.

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Condominium Insurance


Condominium Insurance Information

What is condominium insurance?

Condominium insurance (HO6) is very similar to homeowners insurance (HO3) but is created for the specific needs of condo living. Many families and investors choose condos because of the pleasure and convenience of on-site maintenance and access to the community amenities, such as the beaches in Orange Beach and Gulf Shores and Fort Morgan. In this equation, the main structures of all buildings and common areas are covered by a principal insurance policy held by the condo association. However, a personal condo insurance policy will cover property damage, additions and alterations, such as going from carpet to hardwood or tile and laminate counters to granite, and liability risks of the unit owner. Local property management companies in Gulf Shores and Orange Beach and Fort Morgan are sometimes requiring a condo policy in order to cover their liability for renting your condo to vacationers.

Who benefits from condominium insurance?

Condo insurance in Gulf Shores and Orange Beach is a necessity for all condo owners as well as their visitors. Most mortgage companies require condo owners to maintain a policy for the entirety of their loan. Condo insurance will cover damaged, lost or stolen property due to fire, theft or natural disaster. And every condo policy that we write at Coastal Alabama Insurance includes water backup, a very common loss that is often excluded on policies. This coverage extends to interior belongings, including walls, flooring, ceilings, appliances and electronics.

In addition, this type of policy will cover you against liability claims. If you're found liable for a renter's injury, condo insurance will cover associated medical expenses and/or legal fees.

Lastly, HO6 policies include what is called loss assessments, which are often assessed by condo associations due to a large loss.

How much condominium insurance do you need?

The necessary limits of condo insurance depends on the value of your belongings. By calculating how much it would cost to replace your belongings, we can estimate the policy size that would be necessary for your individual needs.

Call us now to learn more about protecting your investment with condominium insurance.

We specialize in condo insurance in Gulf Shores, Orange Beach, Fort Morgan, and Baldwin County.

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