The Summit Association has a condominium Master Policy which is maintained through the association dues that each condo owner pays.

This master policy covers many areas including the buildings and liability. This coverage is a "sheetrock out" coverage which essentially includes everything outside of your unit. Should something catastrophic happen such as a tornado or fire, or some incident such as a car crashes into a building or a fire sprinkler pipe suddenly bursts, then this policy would cover this type of property damage to the property.

Individual unit owners are encouraged to obtain a separate policy to cover their personal property. This condo-specific homeowners insurance policy called an H06 policy would cover any improvements including carpet, furniture, rugs, clothing etc.

The Summit Condominiums master policy has a deductible of $5000. H06 policies typically have a much lower deductible. If your mortgage lender requires that you submit evidence or proof of insurance known as an Insurance Certificate, please email us at [email protected] or call the office at 205-556-0371 and we will contact our insurance agency to secure the insurance certificate which can be emailed to you and then you can forward it to your mortgage company.