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Category: Condo Insurance

Loss of Use Coverage if Your Condo Becomes Uninhabitable

Posted on August 29, 2025August 25, 2025 by admin

Living in a condo in Alabama is something that even the most popular influencers aspire to. However, the unexpected can happen to anyone, and disasters can quickly turn life upside down. If a fire, storm, or other covered event makes your condo uninhabitable, the costs of living elsewhere can add up fast. That’s where loss of use coverage comes in. This often-overlooked part of your condo insurance, available through Surety Ins Inc., serving Alabama, can provide critical financial relief when you need it most.

What Does Loss of Use Coverage Do?

Loss of use coverage, sometimes referred to as additional living expenses (ALE), activates when you’re forced out of your home due to a covered claim. It helps cover the extra costs of maintaining your standard of living while your condo is being repaired.

This coverage can pay for expenses such as temporary housing, short-term rentals, or hotel stays. It can also help with increased meal expenses if you have to eat out more often, as well as added costs for transportation, storage, or even laundry while you’re displaced.

Why Is Loss of Use Coverage Important for Alabama Condo Owners?

For condo owners in Alabama, where hurricanes, severe storms, and flooding can cause significant property damage, loss of use coverage is more than just a convenience—it’s a safeguard. Without it, you’d be left to cover these unexpected expenses on top of repair costs, which can be financially overwhelming.

Review Your Policy Before You Need It

Not all condo insurance policies include loss of use coverage, and limits can vary. Reviewing your policy now ensures you’re not caught off guard later. A local insurance agent can walk you through your options and help you choose the right coverage for your situation.

Want to feel secure before the next storm season? Contact Surety Ins Inc., serving Alabama, to review your condo policy and ensure you’re fully protected.

Posted in Condo InsuranceTagged Alabama, condo, Surety Ins Inc.

Does My Condo Insurance Policy Cover My Work-From-Home Business?

Posted on October 20, 2023November 1, 2023 by admin

Condo insurance policies protect against losses involving the internal structure, personal belongings, and liabilities. Condo insurance does not cover work-related tools and equipment, so if you live in a condo and have a work-from-home business, you should verify your coverage with your insurance provider. Our Surety Ins Inc. team, serving Alabama, will happily discuss your condo and business insurance coverage with you.

Condo Insurance and Working From Home

Generally, condo and home policies offer some protection for "side-hustle" businesses operated from home, but this coverage often covers only $2,500 in business assets. Employees who work from home can expect the company’s insurance to cover their business assets, though it is best to confirm each employer’s policies.

A partial list of the conditions suggesting you should supplement your condo insurance with appropriate business coverage includes:

-Customers sometimes visit your condo

-You have inventory or supplies at your condo or elsewhere

-Damage to your condo would interrupt your business and revenues

-You have employees

-You keep computerized client or employee records

Each situation is unique, but if those conditions apply to your case, you may want to consider one of several commercial insurance options based on the nature of your business:

-Adding a business property endorsement to your condo policy ($5,000 limits are standard)

-In-home business insurance provides property coverage, liability protection, and other commercial coverage for businesses with less than $250,000 in revenues.

–Business Owner’s Policy (BOP) provides a range of commercial insurance coverage and is generally used by businesses with revenues exceeding $250,000.

Working with Surety Ins Inc

Surety Ins Inc. proudly serves business owners renting or owning condos and homes in Alabama. So, call or stop in today to ensure you adequately protect your personal and business assets.

Posted in Condo InsuranceTagged Alabama, Surety Ins Inc.

Condo Insurance for Landlords

Posted on November 21, 2022June 21, 2023 by admin

As a landlord with an Alabama condo, you should protect your investment. Condo insurance policies can give you peace of mind by knowing your property is fully covered in case of fire, theft, or other unfortunate events.

But what should you look for in a condo insurance policy? Surety Ins Inc. wants you to be informed when selecting coverage.

Here are some key components to consider:

Building Coverage

Whether insuring your own unit or the entire building, ensure that your policy covers the building itself from various perils, such as fire and vandalism. Your policy should also cover any additional structures associated with the building, such as a swimming pool or parking garage.

Personal Property Coverage

It’s also essential your policy covers personal property items like furniture and electronics in case of theft or damage. Make sure to inquire about specific coverage limits for each item.

Damage Protection from Neighboring Units

You should also ensure that your policy provides coverage for any damage incurred by neighboring units in the building. Most policies will cover sudden and accidental damage, but it’s important to read the policy details to ensure you are adequately protected.

Liability Coverage

Your condo insurance should also provide liability coverage if someone is injured on your premises or by your property. This can include medical costs, legal fees, and other damages related to the injury.

Contact Us Today

No matter what type of condo insurance policy you choose, ensure that it includes all the coverage points outlined above. Researching and understanding your policy requirements can help protect your investment for years to come.

At Surety Ins Inc., we understand protecting your rental property is of utmost importance. Contact us today to find out how we can help you get condo insurance coverage for your Alabama property.

Posted in Condo InsuranceTagged Alabama, Surety Ins Inc.

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