Affordable coverage for what matters inside.
Protection for the Place You Call Home
Whether you own a condo or rent an apartment, you still need protection for your belongings, your liability, and your peace of mind. At Schutz Insurance, we help Alabama residents get condo and renters insurance that’s simple, affordable, and tailored to where they live. We’ll explain what’s covered, what’s not, and how to avoid gaps that could cost you later.
What It Covers
Personal Belongings
Covers clothes, furniture, electronics, appliances, and more if damaged by fire, theft, or certain types of water damage.
Liability Protection
Helps cover legal and medical costs if someone is hurt in your space—or if you accidentally cause damage to someone else's property.
Loss of Use
Pays for hotel stays or temporary housing if your condo or apartment becomes unlivable due to a covered loss.
Frequently Asked Questions
Is renters insurance required in Alabama?
It’s not required by law, but many landlords do require it—and it’s smart protection for a low monthly cost.
What’s not covered by condo or renters insurance?
Flood damage, earthquakes, and some high-value items may need separate coverage. We’ll walk you through the details.
How much coverage do I need?
That depends on what you own. We’ll help you estimate the value of your belongings so you’re not over- or underinsured.
Does renters insurance cover my roommate’s stuff?
No—each person usually needs their own policy. We can quote individual plans for shared spaces.
What about condo insurance for building coverage?
Your condo association typically covers the building. We help you cover what’s inside your walls, plus liability and personal property.
You don’t need to own a house to protect what matters. Condo and renters insurance from Schutz Insurance gives you peace of mind—and real support from a local team. We’ll help you choose a plan that fits your lifestyle and budget, with no pressure and no surprises.