Condo Insurance

A big house isn't for everybody, but reasonable insurance policies that cover valuable assets should be. Condo insurance is an option that often flies under the radar compared to homeowners or automobile insurance. Hawkins Insurance Agency of Kennesaw, GA is ready to help Georgia residents learn more about condo insurance and get into a policy that provides a shield of financial safety.

Condominium insurance policies behave like homeowners’ insurance in many ways, but the details are often tweaked to fit the differences in the condominium units. Georgia law requires the condominium association to cover the structure, so all the unit occupant has to cover is their personal belongings and additions. Thanks to that, coverage for a single condo unit will focus on the remaining assets, resulting in much lower deductibles and premiums on average compared to homeowners' insurance.

On the other hand, condo unit owners do not legally need an insurance policy, but a condo association can require an existing policy from owners in the building. The association's building policy likely won't cover anything in your unit that's not considered part of the building, though, so an unfortunate accident in the building could leave you paying out of pocket for the replacement of personal items and damage caused to portions of the structure. Those renting their condo will want to look at renters’ insurance policies instead.

At Hawkins Insurance Agency, we want to ensure that every Kennesaw, GA resident sleeps without worrying about their belongings disappearing in a flash of lightning or a sudden tornado. Don't hesitate to contact us for more information on available coverage and answers to questions about condo unit insurance, whether you're an owner with an existing policy or a potential buyer just starting to look around.