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We'll price it both ways so you can decide."},{icon:O,title:"Newer construction & updates",description:"Fire sprinklers, monitored alarms, and recent plumbing/electrical updates can improve insurability and pricing."},{icon:p,title:"Protective devices",description:"Monitored security, smoke/CO detection, water leak sensors and shut-off valves may qualify for credits."},{icon:x,title:"Autopay & paperless",description:"Set-and-forget billing helps avoid lapses and can trim premium while keeping documents organized."}],le=[{number:"1",icon:P,title:"Check Safety First",description:"Make sure everyone is safe and call 911 if needed."},{number:"2",icon:p,title:"Limit Further Damage",description:"Shut off water/power if safe; save receipts for emergency work."},{number:"3",icon:se,title:"Document Everything",description:"Photos/video of affected areas and a list of damaged items."},{number:"4",icon:ae,title:"Call Our Office",description:"We'll help open the claim and coordinate with the HOA if needed."},{number:"5",icon:ee,title:"Repair & Follow-Up",description:"Arrange estimates and repairs; we'll track progress to settlement."}],k=[{question:"How does an HO-6 policy differ from the condo's master policy?",answer:`Understanding the division of coverage between your condo association's master policy and your individual HO-6 policy is crucial for proper protection. The master policy insures the building structure, exterior walls, roof, common areas like hallways and lobbies, and shared amenities. Your HO-6 (condo insurance) protects the interior of your unit—walls, floors, fixtures, and any improvements you've made—along with your personal belongings and liability coverage. However, condo associations vary significantly in how they structure their master policies. Some are "all-in" policies that cover fixtures and built-in appliances, while others are "bare walls" (only structural elements) or "walls-in" (structural elements plus basic fixtures). We review your association's master policy declarations to identify exactly what's covered where, then tailor your condominium insurance policy to fill any gaps. This is especially important for interior finishes like upgraded flooring, custom cabinets, or renovated bathrooms that might not be covered by the master policy. We also ensure your Loss Assessment coverage is adequate for your share of master policy deductibles that could be passed through after a claim.`},{question:"How much does condo insurance cost in Alabama vs Georgia?",answer:"Condo insurance is typically much more affordable than homeowners insurance because you're only covering the interior of your unit—not the entire building structure. In Alabama (AL), expect to pay $45-65/month for condo insurance, slightly higher than the national average due to wind and hail exposure, especially in coastal areas like Gulf Shores and Orange Beach. In Georgia (GA), condo insurance typically costs $35-55/month, with Atlanta high-rises varying based on building age and location. Factors affecting your rate include location, building age, coverage amounts, deductible choices, master policy type (bare walls vs all-in), loss assessment limits, and floor level. Even at the higher end, HO-6 coverage costs a fraction of homeowners insurance—typically $30-65/month for comprehensive protection."},{question:"What is Loss Assessment coverage and how much do I need?",answer:"Loss assessment coverage pays your share of special assessments levied by your condo association—typically after a major claim exceeds the HOA's master policy coverage or deductible. If a covered loss affects common areas—roofs, hallways, amenities—the HOA may assess unit owners to cover the shortfall. Standard HO-6 policies include $1,000-2,000 in loss assessment coverage, but we recommend increasing to $25,000-50,000, especially for coastal Alabama and Georgia condos where hurricane deductibles on master policies can be substantial. A $10 million building with a 3% hurricane deductible means $300,000 the HOA must cover before insurance pays—and that gets assessed to unit owners. The cost to increase limits is minimal—often just a few dollars per month—but the protection is significant."},{question:"Are improvements and betterments covered by condo insurance?",answer:"Yes, absolutely. If you've made improvements or upgrades to your condo unit beyond what the association originally provided—such as upgraded flooring, renovated kitchens or bathrooms, custom built-ins, or improved fixtures—your unit owners insurance needs adequate coverage for those investments. Standard HO-6 policies typically include building property coverage, but the default limits may not be sufficient if you've significantly upgraded your unit. We can increase your building-property coverage limit specifically for these improvements and betterments. To ensure accurate coverage and smoother claims processing, keep receipts for major improvements, take photos before and after renovations, and maintain documentation of upgrade costs. This documentation proves the value of your improvements at claim time and helps us set appropriate coverage limits upfront."},{question:"How do I protect valuables like jewelry, bikes, or collectibles?",answer:"Standard HO-6 condo insurance policies include sub-limits for certain items. Scheduling valuables provides higher limits, broader causes of loss, and often no deductible for those items. Tell us what you own, and we'll price options for jewelry riders, fine art, instruments, or high-end bikes. This is especially important for AL and GA condo owners with valuable collections."},{question:"What information do you need for a condo insurance quote?",answer:"For a condominium insurance quote, we need your address, unit details (square footage, floor level), building age, any upgrades, protective devices, prior insurance, and any claims in the last 3–5 years. HOA documents that outline master policy coverage are ideal—we can often retrieve a summary if you don't have them handy. Having this information ready helps us provide accurate condo insurance quotes for AL and GA unit owners."},{question:"Does condo insurance cover water damage from an upstairs unit?",answer:"Yes, in most cases. If a pipe bursts in the unit above you or a neighbor's appliance leaks and damages your ceiling, walls, or belongings, your condo insurance covers your losses. You'd file a claim under your HO-6 policy for damage to your unit's interior and personal property. The upstairs neighbor's liability coverage (or the HOA's master policy, depending on where the leak originated) may ultimately be responsible, but your condominium insurance protects you first so you're not waiting on others to make repairs. Water damage between units is one of the most common condo claims in both Alabama and Georgia."},{question:"What if I rent out my condo as a vacation property?",answer:"If you rent out your condo—whether as a long-term rental or vacation property—a standard HO-6 policy may not provide adequate coverage for rental use. Gulf Shores and Orange Beach vacation condo owners in AL, and Tybee Island owners in GA, need landlord or dwelling fire policies that offer better protection for investment properties. Long-term rentals also have different coverage requirements. 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We'll review your master policy and build walls-in coverage that protects your unit, improvements, and liability."}),e.jsx("div",{className:"grid md:grid-cols-3 gap-4 max-w-4xl mx-auto mb-8",children:["Condo insurance quotes in minutes with the info you already have","We review HOA docs to align your HO-6 with the master policy","Local help at claim time—we coordinate with your HOA"].map((s,a)=>e.jsxs("div",{className:"flex items-start gap-2 text-left",children:[e.jsx(l,{className:"h-5 w-5 text-accent shrink-0 mt-0.5 drop-shadow-md"}),e.jsx("p",{className:"text-sm text-white drop-shadow-md",children:s})]},a))}),e.jsxs("div",{className:"flex flex-col sm:flex-row gap-4 justify-center",children:[e.jsx(d,{size:"lg",className:"bg-accent hover:bg-accent/90 text-white shadow-md hover:shadow-lg hover:-translate-y-0.5 transition-all duration-200",asChild:!0,children:e.jsx(i,{to:"/#quote-form",children:"Get Quote"})}),e.jsx(d,{size:"lg",className:"bg-white hover:bg-white text-primary border border-primary shadow-sm hover:shadow-md hover:-translate-y-0.5 transition-all duration-200",asChild:!0,children:e.jsxs(h,{phone:"(256) 927-6287",phoneRaw:"2569276287",location:"Centre, AL",office:"centre",pageType:"service-condo",pageUrl:m.pathname,ariaLabel:"Call Centre, Alabama office at (256) 927-6287",children:[e.jsx(u,{className:"mr-2 h-5 w-5"}),"Alabama: (256) 927-6287"]})}),e.jsx(d,{size:"lg",className:"bg-white hover:bg-white text-primary border border-primary shadow-sm hover:shadow-md hover:-translate-y-0.5 transition-all duration-200",asChild:!0,children:e.jsxs(h,{phone:"(706) 784-6511",phoneRaw:"7067846511",location:"Rome, GA",office:"rome",pageType:"service-condo",pageUrl:m.pathname,ariaLabel:"Call Rome, Georgia office at (706) 784-6511",children:[e.jsx(u,{className:"mr-2 h-5 w-5"}),"Georgia: (706) 784-6511"]})})]})]})]})})]}),e.jsx("section",{className:"py-16",children:e.jsxs("div",{className:"container max-w-6xl mx-auto px-4",children:[e.jsx("div",{className:"text-center mb-12",children:e.jsx("h2",{className:"text-2xl md:text-3xl lg:text-4xl font-bold mb-4",children:"What Does Condo Insurance Cover?"})}),e.jsx("div",{className:"grid md:grid-cols-2 lg:grid-cols-3 gap-6",children:ne.map((s,a)=>e.jsxs(t,{className:"card-premium h-full flex flex-col",children:[e.jsx(n,{children:e.jsxs("div",{className:"flex items-start gap-4",children:[e.jsx("div",{className:"w-14 h-14 rounded-full bg-primary shadow-md flex items-center justify-center flex-shrink-0",children:e.jsx(s.icon,{className:"h-7 w-7 text-white"})}),e.jsx(o,{className:"text-lg",children:s.title})]})}),e.jsx(r,{children:e.jsx(b,{className:"text-base leading-relaxed",children:s.description})})]},a))})]})}),e.jsx("section",{className:"py-16 bg-muted/30",children:e.jsxs("div",{className:"container max-w-5xl mx-auto px-4",children:[e.jsx("div",{className:"text-center mb-12",children:e.jsx("h2",{className:"text-2xl md:text-3xl lg:text-4xl font-bold mb-4",children:"HO-6 Coverage at a Glance"})}),e.jsx(t,{children:e.jsx(r,{className:"p-6",children:e.jsxs(Y,{children:[e.jsx(U,{children:e.jsxs(j,{children:[e.jsx(N,{className:"font-bold text-foreground",children:"Coverage"}),e.jsx(N,{className:"font-bold text-foreground",children:"Plain-English Summary"})]})}),e.jsx(V,{children:oe.map((s,a)=>e.jsxs(j,{children:[e.jsx(A,{className:"font-semibold",children:s.coverage}),e.jsx(A,{children:s.summary})]},a))})]})})})]})}),e.jsx("section",{className:"py-16",children:e.jsxs("div",{className:"container max-w-5xl mx-auto px-4",children:[e.jsxs("div",{className:"text-center mb-8",children:[e.jsx(c,{centered:!0,children:"How Much Does Condo Insurance Cost in Alabama vs Georgia?"}),e.jsx("p",{className:"text-lg text-muted-foreground max-w-3xl mx-auto mt-4",children:"Condo insurance is typically much more affordable than homeowners insurance because you're only covering the interior of your unit—not the entire building structure."})]}),e.jsxs("div",{className:"grid md:grid-cols-2 gap-6 mb-8",children:[e.jsxs(t,{className:"border-2 border-primary/20",children:[e.jsx(n,{children:e.jsxs("div",{className:"flex items-center gap-3",children:[e.jsx("div",{className:"w-12 h-12 rounded-full bg-primary shadow-md flex items-center justify-center",children:e.jsx(v,{className:"h-6 w-6 text-white"})}),e.jsxs("div",{children:[e.jsx(o,{className:"text-primary",children:"Alabama (AL)"}),e.jsx("p",{className:"text-2xl font-bold text-accent",children:"$45-65/month"})]})]})}),e.jsx(r,{children:e.jsx("p",{className:"text-muted-foreground",children:"Slightly higher than the national average due to wind and hail exposure, especially in coastal areas like Gulf Shores and Orange Beach. Hurricane deductibles on master policies can significantly affect loss assessment needs."})})]}),e.jsxs(t,{className:"border-2 border-primary/20",children:[e.jsx(n,{children:e.jsxs("div",{className:"flex items-center gap-3",children:[e.jsx("div",{className:"w-12 h-12 rounded-full bg-primary shadow-md flex items-center justify-center",children:e.jsx(v,{className:"h-6 w-6 text-white"})}),e.jsxs("div",{children:[e.jsx(o,{className:"text-primary",children:"Georgia (GA)"}),e.jsx("p",{className:"text-2xl font-bold text-accent",children:"$35-55/month"})]})]})}),e.jsx(r,{children:e.jsx("p",{className:"text-muted-foreground",children:"Atlanta metro condos vary based on building age and location. High-rise units in Midtown and Buckhead may see higher premiums, while suburban townhome-style condos in Gwinnett and Cobb counties typically cost less."})})]})]}),e.jsxs(t,{className:"bg-muted/30",children:[e.jsx(n,{children:e.jsx(o,{children:"Factors Affecting Your Condo Insurance Rate"})}),e.jsx(r,{children:e.jsx("div",{className:"grid md:grid-cols-2 gap-4",children:[{factor:"Location",detail:"Coastal AL condos (Gulf Shores, Orange Beach) and high-rise Atlanta units cost more"},{factor:"Building age",detail:"Older buildings may have higher premiums due to increased risk"},{factor:"Coverage amounts",detail:"Higher personal property and dwelling limits increase cost"},{factor:"Deductible choice",detail:"Choosing $1,000 vs $500 deductible lowers monthly premium"},{factor:"Master policy type",detail:"'Bare walls' master policies require more HO-6 coverage than 'all-in' policies"},{factor:"Loss assessment limits",detail:"Higher limits add modest cost but significant protection"},{factor:"Floor level",detail:"Ground-floor (water/break-in risk) or top floors (roof exposure) may cost more"},{factor:"Bundling",detail:"Adding auto to your condo policy saves 15-25% on both"}].map((s,a)=>e.jsxs("div",{className:"flex items-start gap-2",children:[e.jsx(l,{className:"h-5 w-5 text-accent shrink-0 mt-0.5"}),e.jsxs("div",{children:[e.jsxs("span",{className:"font-semibold",children:[s.factor,":"]})," ",e.jsx("span",{className:"text-muted-foreground",children:s.detail})]})]},a))})})]})]})}),e.jsx("section",{className:"py-16 bg-muted/30",children:e.jsxs("div",{className:"container max-w-5xl mx-auto px-4",children:[e.jsxs("div",{className:"text-center mb-8",children:[e.jsx(c,{centered:!0,children:"Understanding Your HOA's Master Policy"}),e.jsx("p",{className:"text-lg text-muted-foreground max-w-3xl mx-auto mt-4",children:"Before purchasing condo insurance, you need to understand what your condo association's master policy covers—and more importantly, what it doesn't."})]}),e.jsxs("div",{className:"grid md:grid-cols-3 gap-6 mb-8",children:[e.jsxs(t,{className:"border-2 hover:shadow-md transition-shadow",children:[e.jsxs(n,{children:[e.jsx("div",{className:"w-12 h-12 rounded-full bg-primary shadow-md flex items-center justify-center mb-3",children:e.jsx(g,{className:"h-6 w-6 text-white"})}),e.jsx(o,{children:"Bare Walls-In"}),e.jsx("p",{className:"text-sm text-accent font-medium",children:"Most Common"})]}),e.jsx(r,{children:e.jsx("p",{className:"text-muted-foreground",children:"The HOA's policy covers only the building structure—exterior walls, roof, hallways, elevators. Everything inside your unit (drywall, flooring, cabinets, fixtures, appliances) is YOUR responsibility. You need robust HO-6 coverage for interior finishes and improvements."})})]}),e.jsxs(t,{className:"border-2 hover:shadow-md transition-shadow",children:[e.jsxs(n,{children:[e.jsx("div",{className:"w-12 h-12 rounded-full bg-primary shadow-md flex items-center justify-center mb-3",children:e.jsx(g,{className:"h-6 w-6 text-white"})}),e.jsx(o,{children:"Single Entity"}),e.jsx("p",{className:"text-sm text-muted-foreground font-medium",children:"Moderate Coverage"})]}),e.jsx(r,{children:e.jsx("p",{className:"text-muted-foreground",children:"The HOA's policy covers the building structure plus original interior finishes as built. If you've made upgrades (new flooring, custom cabinets, renovated bathrooms), those improvements are YOUR responsibility under your condominium insurance."})})]}),e.jsxs(t,{className:"border-2 hover:shadow-md transition-shadow",children:[e.jsxs(n,{children:[e.jsx("div",{className:"w-12 h-12 rounded-full bg-primary shadow-md flex items-center justify-center mb-3",children:e.jsx(g,{className:"h-6 w-6 text-white"})}),e.jsx(o,{children:"All-In (All-Inclusive)"}),e.jsx("p",{className:"text-sm text-muted-foreground font-medium",children:"Most Comprehensive"})]}),e.jsx(r,{children:e.jsx("p",{className:"text-muted-foreground",children:"The HOA's policy covers building structure plus all interior fixtures, even upgrades. This is the most comprehensive master policy but still doesn't cover your personal belongings, liability, or loss of use. You still need condo insurance."})})]})]}),e.jsx(t,{className:"bg-background border-2",children:e.jsx(r,{className:"p-6",children:e.jsxs("div",{className:"flex items-start gap-4",children:[e.jsx("div",{className:"w-12 h-12 rounded-full bg-accent/10 flex items-center justify-center shrink-0",children:e.jsx(x,{className:"h-6 w-6 text-accent"})}),e.jsxs("div",{children:[e.jsx("h3",{className:"text-lg font-semibold mb-2",children:"How to Find Out Your Master Policy Type"}),e.jsx("p",{className:"text-muted-foreground",children:"Request a copy of your HOA's master policy or certificate of insurance. Look for the coverage type and—critically—the master policy deductible. If the HOA has a $25,000 or $50,000 deductible, unit owners may be assessed their share of that deductible after a major claim. That's where loss assessment coverage in your unit owners insurance becomes essential."})]})]})})})]})}),e.jsx("section",{className:"py-16",children:e.jsxs("div",{className:"container max-w-5xl mx-auto px-4",children:[e.jsxs("div",{className:"text-center mb-8",children:[e.jsx(c,{centered:!0,children:"Loss Assessment Coverage — Don't Skip This"}),e.jsx("p",{className:"text-lg text-muted-foreground max-w-3xl mx-auto mt-4",children:"Loss assessment coverage is one of the most overlooked—and most important—parts of condo insurance in Alabama and Georgia."})]}),e.jsxs("div",{className:"grid md:grid-cols-2 gap-8",children:[e.jsxs(t,{className:"border-2",children:[e.jsx(n,{children:e.jsxs(o,{className:"flex items-center gap-2",children:[e.jsx(Q,{className:"h-5 w-5 text-accent"}),"Real-World Example"]})}),e.jsxs(r,{children:[e.jsx("p",{className:"text-muted-foreground mb-4",children:"A storm damages your condo building's roof. The repair costs $200,000, but the HOA's master policy has a $50,000 wind/hail deductible. The HOA assesses all 50 unit owners $1,000 each to cover the deductible."}),e.jsx("p",{className:"font-semibold text-primary",children:"Your loss assessment coverage pays your $1,000 share."})]})]}),e.jsxs(t,{className:"border-2",children:[e.jsx(n,{children:e.jsxs(o,{className:"flex items-center gap-2",children:[e.jsx(p,{className:"h-5 w-5 text-accent"}),"How Much Do You Need?"]})}),e.jsx(r,{children:e.jsxs("ul",{className:"space-y-2 text-muted-foreground",children:[e.jsxs("li",{className:"flex items-start gap-2",children:[e.jsx(l,{className:"h-5 w-5 text-accent shrink-0 mt-0.5"}),e.jsx("span",{children:"Check your HOA's master policy deductible"})]}),e.jsxs("li",{className:"flex items-start gap-2",children:[e.jsx(l,{className:"h-5 w-5 text-accent shrink-0 mt-0.5"}),e.jsx("span",{children:"Standard HO-6 policies include $1,000-2,000"})]}),e.jsxs("li",{className:"flex items-start gap-2",children:[e.jsx(l,{className:"h-5 w-5 text-accent shrink-0 mt-0.5"}),e.jsxs("span",{children:[e.jsx("strong",{children:"We recommend $25,000-50,000"})," if your HOA has a high deductible"]})]}),e.jsxs("li",{className:"flex items-start gap-2",children:[e.jsx(l,{className:"h-5 w-5 text-accent shrink-0 mt-0.5"}),e.jsx("span",{children:"Cost to increase: often just a few dollars per month"})]})]})})]})]}),e.jsx(t,{className:"mt-8 bg-accent/5 border-accent/20",children:e.jsx(r,{className:"p-6",children:e.jsxs("div",{className:"flex items-start gap-4",children:[e.jsx("div",{className:"w-12 h-12 rounded-full bg-accent/10 flex items-center justify-center shrink-0",children:e.jsx(C,{className:"h-6 w-6 text-accent"})}),e.jsxs("div",{children:[e.jsx("h3",{className:"text-lg font-semibold mb-2",children:"Coastal AL & GA Warning"}),e.jsx("p",{className:"text-muted-foreground",children:"Alabama's Gulf Coast condos and Georgia's coastal properties face particular risk given hurricane deductibles on master policies, which can be 2-5% of the building's insured value. A $10 million building with a 3% hurricane deductible means $300,000 the HOA must cover before insurance pays—and that gets assessed to unit owners. This is why adequate loss assessment coverage is critical for Gulf Shores, Orange Beach, Savannah, and Tybee Island condo owners."})]})]})})})]})}),e.jsx("section",{className:"py-16 bg-muted/30",children:e.jsxs("div",{className:"container max-w-5xl mx-auto px-4",children:[e.jsx("div",{className:"text-center mb-8",children:e.jsx(c,{centered:!0,children:"Condo Insurance for Alabama & Georgia Markets"})}),e.jsxs("div",{className:"grid md:grid-cols-2 gap-6",children:[e.jsxs(t,{className:"border-2 hover:shadow-md transition-shadow",children:[e.jsx(n,{children:e.jsxs(o,{className:"flex items-center gap-2",children:[e.jsx(f,{className:"h-5 w-5 text-primary"}),"Atlanta Metro Condos"]})}),e.jsxs(r,{children:[e.jsx("p",{className:"text-muted-foreground mb-3",children:"Atlanta's condo market includes everything from Midtown high-rises to Buckhead luxury units to suburban townhome-style condos in Gwinnett and Cobb counties."}),e.jsxs("ul",{className:"space-y-1 text-sm text-muted-foreground",children:[e.jsx("li",{children:"• Building age affects rates (older = higher premiums)"}),e.jsx("li",{children:"• Water damage from upstairs units is a common claim"}),e.jsx("li",{children:"• Verify your building's master policy type before purchasing"})]})]})]}),e.jsxs(t,{className:"border-2 hover:shadow-md transition-shadow",children:[e.jsxs(n,{children:[e.jsxs(o,{className:"flex items-center gap-2",children:[e.jsx(C,{className:"h-5 w-5 text-primary"}),"Gulf Coast Vacation Condos"]}),e.jsx("p",{className:"text-sm text-muted-foreground",children:"Gulf Shores & Orange Beach, AL"})]}),e.jsxs(r,{children:[e.jsx("p",{className:"text-muted-foreground mb-3",children:"Alabama's coastal condos face unique insurance challenges:"}),e.jsxs("ul",{className:"space-y-1 text-sm text-muted-foreground",children:[e.jsx("li",{children:"• Hurricane deductibles apply (typically 2-5% of dwelling)"}),e.jsx("li",{children:"• Flood insurance often required and always recommended"}),e.jsx("li",{children:"• Vacation rentals may need landlord/dwelling policy instead of HO-6"}),e.jsx("li",{children:"• Wind/hail deductibles are percentage-based"})]})]})]}),e.jsxs(t,{className:"border-2 hover:shadow-md transition-shadow",children:[e.jsxs(n,{children:[e.jsxs(o,{className:"flex items-center gap-2",children:[e.jsx(R,{className:"h-5 w-5 text-primary"}),"Savannah & Coastal Georgia"]}),e.jsx("p",{className:"text-sm text-muted-foreground",children:"Historic District & Tybee Island"})]}),e.jsxs(r,{children:[e.jsx("p",{className:"text-muted-foreground mb-3",children:"Historic district condos in Savannah and beach condos on Tybee Island have similar coastal considerations:"}),e.jsxs("ul",{className:"space-y-1 text-sm text-muted-foreground",children:[e.jsx("li",{children:"• Named storm deductibles may apply"}),e.jsx("li",{children:"• Flood zones affect both requirements and costs"}),e.jsx("li",{children:"• Older historic buildings may need specialized coverage"})]})]})]}),e.jsxs(t,{className:"border-2 hover:shadow-md transition-shadow",children:[e.jsxs(n,{children:[e.jsxs(o,{className:"flex items-center gap-2",children:[e.jsx(B,{className:"h-5 w-5 text-primary"}),"Urban Condos (Birmingham, Huntsville)"]}),e.jsx("p",{className:"text-sm text-muted-foreground",children:"Alabama's Growing Markets"})]}),e.jsxs(r,{children:[e.jsx("p",{className:"text-muted-foreground mb-3",children:"Alabama's growing urban condo markets typically have straightforward insurance needs:"}),e.jsxs("ul",{className:"space-y-1 text-sm text-muted-foreground",children:[e.jsx("li",{children:"• Standard HO-6 coverage with attention to master policy type"}),e.jsx("li",{children:"• Adequate personal property limits for your belongings"}),e.jsx("li",{children:"• Consider Water Backup coverage for lower-level units"})]})]})]})]}),e.jsx("p",{className:"text-center text-muted-foreground mt-8",children:"Whether you own a beach condo in Gulf Shores, a high-rise in Buckhead, or a townhome-style condo in Rome, we'll match your condominium insurance coverage to your specific situation."})]})}),e.jsx("section",{className:"py-16",children:e.jsxs("div",{className:"container max-w-4xl mx-auto px-4",children:[e.jsx("div",{className:"text-center mb-8",children:e.jsx(c,{centered:!0,children:"What Weather Risks Affect Condo Owners?"})}),e.jsx(t,{className:"border-2",children:e.jsxs(r,{className:"p-8",children:[e.jsx("p",{className:"text-base text-muted-foreground leading-relaxed mb-6",children:"Across Alabama and Georgia, severe thunderstorms, tornado tracks, and occasional tropical remnants can drive wind and water losses. In multi-story buildings, small leaks can turn into large losses as water travels between units. That's why walls-in coverage, Loss Assessment, and thoughtful deductibles matter. We'll verify how the master policy treats wind/hail and whether special deductibles apply—then size your HO-6 condo insurance to play well with it."}),e.jsxs("div",{className:"space-y-4",children:[e.jsxs("div",{className:"flex items-start gap-3",children:[e.jsx("div",{className:"w-12 h-12 rounded-full bg-primary shadow-md flex items-center justify-center flex-shrink-0",children:e.jsx(_,{className:"h-6 w-6 text-white"})}),e.jsxs("div",{children:[e.jsx("h3",{className:"text-lg font-semibold mb-1",children:"Water & Backup Coverage"}),e.jsx("p",{className:"text-muted-foreground",children:"Consider Water Backup if you have lower-level plumbing or stack risers nearby. Water damage between units is one of the most common condo claims in both AL and GA."})]})]}),e.jsxs("div",{className:"flex items-start gap-3",children:[e.jsx("div",{className:"w-12 h-12 rounded-full bg-primary shadow-md flex items-center justify-center flex-shrink-0",children:e.jsx(x,{className:"h-6 w-6 text-white"})}),e.jsxs("div",{children:[e.jsx("h3",{className:"text-lg font-semibold mb-1",children:"RCV vs ACV on Personal Property"}),e.jsx("p",{className:"text-muted-foreground",children:"Replacement Cost Value (RCV) on personal property pays better after a loss; Actual Cash Value (ACV) saves on condo insurance premium but pays less at claim time."})]})]}),e.jsxs("div",{className:"flex items-start gap-3",children:[e.jsx("div",{className:"w-12 h-12 rounded-full bg-primary shadow-md flex items-center justify-center flex-shrink-0",children:e.jsx(H,{className:"h-6 w-6 text-white"})}),e.jsxs("div",{children:[e.jsx("h3",{className:"text-lg font-semibold mb-1",children:"Master Deductible Risk"}),e.jsx("p",{className:"text-muted-foreground",children:"Higher HOA deductibles can trigger assessments after claims—boost your Loss Assessment coverage accordingly, especially for coastal Alabama and Georgia condos."})]})]})]})]})})]})}),e.jsx("section",{className:"py-16 px-4",children:e.jsxs("div",{className:"container mx-auto max-w-5xl",children:[e.jsx("h3",{className:"text-xl md:text-2xl font-bold mb-6",children:"Condo Markets Across Alabama and Georgia"}),e.jsxs("div",{className:"prose prose-lg max-w-none mb-8",children:[e.jsxs("p",{className:"text-muted-foreground mb-4",children:["Condo insurance (HO-6) needs vary dramatically across our service territory based on each county's condo market maturity, construction types, and master policy landscapes. ",e.jsx("strong",{children:"Jefferson County"})," features Alabama's most robust condo market, concentrated in Birmingham's revitalized downtown and Southside districts. Highland Park, Lakeview, and downtown Birmingham offer loft conversions in historic early-20th-century brick warehouses alongside new mid-rise developments. These older conversions present unique challenges—master policies may carry high deductibles, and interior build-outs in loft spaces can be costly to insure given exposed brick, timber beams, and high ceilings requiring specialized replacement cost calculations."]}),e.jsx("p",{className:"text-muted-foreground mb-4",children:"Suburban Jefferson County (Hoover, Homewood) features townhome-style condos in mixed-use developments. A critical local consideration: tornado insurance coordination with HOA master policies. The April 2011 tornado outbreak taught Jefferson County condo associations hard lessons about wind/hail deductibles—many now carry 2-5% named-storm deductibles that could trigger special assessments, making loss assessment coverage essential for unit owners. Birmingham's condo market is mature enough that insurance agencies routinely review master policy declarations to identify coverage gaps."}),e.jsxs("p",{className:"text-muted-foreground mb-4",children:[e.jsx("strong",{children:"Tuscaloosa County's"}),' condo market revolves around the University of Alabama. High-rise student condos near campus (complexes like "The Chimes") cater to parents and investors buying units for student housing. These see heavy turnover and sometimes elevated claims—water damage from tenant mishaps, fire risk from cooking incidents, and liability concerns from student parties. Downtown Tuscaloosa and Riverwalk luxury condos serve retirees and professionals, many in converted historic buildings requiring careful valuation. Short-term "game-day condos" used only during football season need specific policy provisions for vacancy and occasional rental use.']}),e.jsxs("p",{className:"text-muted-foreground mb-4",children:[e.jsx("strong",{children:"Fulton County"})," (Atlanta) dominates Georgia's condo market. High-rise condos in Midtown, Buckhead, and Downtown Atlanta often sit in buildings with extensive amenities—doormen, pools, fitness centers—where HOA master policies cover exteriors and common areas but leave owners responsible for unit interiors, personal property, and loss assessment coverage. Historic building conversions in Old Fourth Ward and West End feature exposed brick and timber that drive up interior replacement costs. Suburban Fulton (Sandy Springs, Johns Creek) offers garden-style complexes where shared attic spaces create fire spread risk, sometimes resulting in higher premiums if the complex has prior claims history."]}),e.jsxs("p",{className:"text-muted-foreground mb-4",children:[e.jsx("strong",{children:"Gwinnett County"})," features predominantly townhome and garden-style condos rather than high-rises. These often serve as starter homes for young professionals working in Atlanta but seeking affordable alternatives to Fulton County. Master policies typically cover roofs and exteriors, but hailstorm damage (Gwinnett sees hail a couple times annually) can trigger HOA special assessments if deductibles are high. ",e.jsx("strong",{children:"Cobb County"})," mirrors Gwinnett's townhome-heavy market with added presence around Marietta's revitalized downtown."]}),e.jsxs("p",{className:"text-muted-foreground",children:[e.jsx("strong",{children:"Floyd County"})," (Rome) has limited condo presence—a few downtown loft conversions and small complexes near Berry College. ",e.jsx("strong",{children:"Cherokee County"})," barely has a condo market—housing is 75.9% single-family with only 7.4% multifamily units (mostly apartments). The few lakeside condos near Weiss Lake function more as vacation properties than primary residences. ",e.jsx("strong",{children:"Etowah"}),", ",e.jsx("strong",{children:"Tuscaloosa"})," (outside the university area), ",e.jsx("strong",{children:"DeKalb"}),", and ",e.jsx("strong",{children:"Bartow"})," counties all fall somewhere in between—modest condo markets serving specific niches rather than being primary housing forms."]})]}),e.jsxs("div",{className:"prose prose-lg max-w-none",children:[e.jsxs("p",{className:"text-muted-foreground mb-4",children:["ZIP code specifics reveal condo insurance nuances. Birmingham's ",e.jsx("strong",{children:"35242"})," (Hoover) includes several upscale townhome communities where master HOA policies typically carry adequate coverage, but owners should verify wind/hail deductible structures—Jefferson County's tornado history means prudent HOAs maintain 1% or lower wind deductibles, while under-insured associations might carry 5% deductibles that could devastate unit owners through special assessments after a severe storm. Interior replacement costs in these newer (1990s-2010s) townhomes typically run $80-$120 per square foot."]}),e.jsxs("p",{className:"text-muted-foreground mb-4",children:[e.jsx("strong",{children:"35215"})," (northeast Birmingham) features limited condo stock—mostly smaller apartment-style conversions where master policies may be minimal and owners need robust HO-6 coverage for interiors and contents. ",e.jsx("strong",{children:"35173"})," (Trussville) has growing townhome developments where HOAs are relatively new—reviewing master policy details is critical as some young associations haven't yet optimized coverage."]}),e.jsxs("p",{className:"text-muted-foreground mb-4",children:["Georgia's ",e.jsx("strong",{children:"30044"})," and ",e.jsx("strong",{children:"30043"})," (Lawrenceville area) contain numerous townhome communities built during Gwinnett's 1990s-2000s growth boom. These typically feature master policies through large HOA management companies, though hail damage claims can strain association reserves. Loss assessment coverage limits of $50,000-$100,000 are recommended given potential roof replacement costs across 100+ unit complexes. Interior coverage needs usually run $60-$100 per square foot depending on finishes."]}),e.jsxs("p",{className:"text-muted-foreground mb-4",children:["Atlanta's ",e.jsx("strong",{children:"30349"})," (College Park/airport area) has limited condo stock but what exists tends toward older buildings where master policy adequacy varies widely. Higher property crime in this ZIP code makes theft coverage and liability limits more important. ",e.jsx("strong",{children:"30161"})," (Rome) features a handful of downtown lofts and small complexes where the condo market is still developing—owners here may find themselves educating HOAs about proper insurance structures rather than inheriting well-established master policies. ",e.jsx("strong",{children:"30120"})," (Cartersville) has growing townhome communities along the I-75 corridor where newer construction and proactive HOA management typically mean well-structured master coverage."]}),e.jsxs("p",{className:"text-muted-foreground",children:[e.jsx("strong",{children:"35960"}),` (Centre in Cherokee County) has virtually no condo presence—the few units that exist are typically lakeside properties near Weiss Lake functioning as vacation condos. These present unique considerations: seasonal occupancy, HOAs that may be informal, and the need for comprehensive coverage given property sits empty much of the year. Across all locations, condo owners should request master policy declarations from their HOA before finalizing HO-6 coverage. 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",e.jsx(i,{to:"/contact",className:"text-primary font-semibold hover:underline",children:"Contact us"})," — we serve all of AL and GA with condo insurance coverage."]})]})}),e.jsx("section",{className:"py-12 px-4 bg-muted/30",children:e.jsx("div",{className:"container mx-auto max-w-4xl text-center",children:e.jsxs("p",{className:"text-muted-foreground",children:["Protect your whole household. Explore our"," ",e.jsx(i,{to:"/services/auto-insurance",className:"text-primary font-semibold hover:underline",children:"auto insurance"})," for your vehicles,"," ",e.jsx(i,{to:"/services/home-insurance",className:"text-primary font-semibold hover:underline",children:"home insurance"})," if you're moving from a condo to a house, or"," ",e.jsx(i,{to:"/services/renters-insurance",className:"text-primary font-semibold hover:underline",children:"renters insurance"})," if you're comparing options. Bundle your condo insurance with auto to save 15-25% on both policies."]})})}),e.jsx("section",{className:"py-16 px-4 bg-gradient-to-br from-primary to-primary-light",children:e.jsxs("div",{className:"container mx-auto max-w-4xl text-center",children:[e.jsx("h2",{className:"text-2xl md:text-3xl lg:text-4xl font-bold text-white mb-4",children:"Have Questions About HO-6 Coverage?"}),e.jsx("p",{className:"text-xl text-white/90 mb-8",children:"Call a local agent today to discuss your condo insurance needs."}),e.jsx(d,{size:"lg",className:"bg-accent text-accent-foreground hover:bg-accent-light text-lg px-8 py-6 h-auto shadow-md hover:shadow-lg hover:-translate-y-0.5 transition-all duration-200",asChild:!0,children:e.jsx(i,{to:"/#quote-form",children:"Get Quote"})}),e.jsxs("div",{className:"flex flex-wrap justify-center items-center gap-4 mt-4 text-sm text-white/90",children:[e.jsx("span",{children:"Or call us:"}),e.jsxs(h,{phone:"(256) 927-6287",phoneRaw:"2569276287",location:"Centre, AL",office:"centre",pageType:"service-condo-cta",pageUrl:m.pathname,className:"flex items-center gap-1.5 hover:text-white transition-colors",ariaLabel:"Call Centre, Alabama office at (256) 927-6287",children:[e.jsx(u,{className:"h-4 w-4"}),"(256) 927-6287"]}),e.jsx("span",{className:"text-white/50",children:"|"}),e.jsxs(h,{phone:"(706) 784-6511",phoneRaw:"7067846511",location:"Rome, GA",office:"rome",pageType:"service-condo-cta",pageUrl:m.pathname,className:"flex items-center gap-1.5 hover:text-white transition-colors",ariaLabel:"Call Rome, Georgia office at (706) 784-6511",children:[e.jsx(u,{className:"h-4 w-4"}),"(706) 784-6511"]})]}),e.jsxs("div",{className:"flex flex-wrap justify-center gap-x-6 gap-y-2 mt-6",children:[e.jsxs("span",{className:"flex items-center gap-1.5 text-sm text-white",children:[e.jsx(l,{className:"h-4 w-4"}),"Licensed in AL & GA"]}),e.jsxs("span",{className:"flex items-center gap-1.5 text-sm text-white",children:[e.jsx(l,{className:"h-4 w-4"}),"Hablamos Español"]}),e.jsxs("span",{className:"flex items-center gap-1.5 text-sm text-white",children:[e.jsx(l,{className:"h-4 w-4"}),"Family Owned"]}),e.jsxs("span",{className:"flex items-center gap-1.5 text-sm text-white",children:[e.jsx(l,{className:"h-4 w-4"}),"100+ Years Combined Experience"]})]})]})}),e.jsx(q,{})]})};export{Be as default};