Condo Insurance in Decatur, GA

Condo homeowners insurance (Decatur, GA) policies usually step in to cover what the condo association’s master policy doesn’t. To understand what this means for you, you need to know what these master policies offer. A condo association master policy will be one of two types:

• An All-In Policy: This is also called a single-unit policy. It covers things like fixtures, appliances, wiring, and carpets throughout the condominium building—even inside the units. However, it doesn’t cover personal property.
• A Bare Walls-In Policy: This covers anything inside the walls. Think shared plumbing and electrical systems and structural elements. However, private plumbing and electrical systems (the ones within your own unit) might not be covered.

In either case, you’ll need your own policy for full protection. However, if your association has a bare walls-in policy, you’ll need a comprehensive policy.