(205) 491-5234
themanleymonroeagency@alfains.com

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Protect Your Home.
Protect Your Investment.

Your home is likely one of the biggest investments you’ll ever make. Whether you’re buying your first house, upgrading to a larger home, or simply reviewing your current policy, having the right homeowners insurance can provide valuable financial protection and peace of mind.

At The Manley Monroe Agency, we help homeowners throughout Hueytown and surrounding Jefferson County find insurance solutions that fit their homes, lifestyles, and budgets. We take the time to explain your coverage, answer your questions, and help you feel confident that your home is properly protected.

As an Alfa Insurance agency, we combine personalized local service with dependable coverage from one of the Southeast’s most trusted insurance providers.

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What Does Condo Insurance Cover?

Condo insurance, commonly referred to as an HO-6 policy, is designed to protect the parts of your condo that are your responsibility, along with your personal belongings and certain liability risks.

Exactly what your policy needs to cover depends in part on your condo association’s master insurance policy, but individual condo insurance may include the following protections.

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Interior Coverage

Understanding where the association's responsibility ends and yours begins is an important part of choosing condo insurance.

Homeowners Insurance

Personal Property Coverage

Imagine having to replace everything inside your condo after a major fire or other covered loss.

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Personal Liability Coverage

If you're legally responsible for accidentally injuring another person or damaging someone else's property, personal liability coverage may help protect you financially.

Life Insurance Company

Additional Living Expenses

If a covered loss makes your condo temporarily uninhabitable, you may need somewhere else to live while repairs are completed.

Homeowners Insurance

Loss Assessment Coverage

Because condo associations and master policies vary, it's important to understand how this coverage works before you need it.

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What Isn't Typically Covered?

Condo insurance provides valuable protection, but it doesn’t cover every possible loss.

Depending on the policy, exclusions or limitations may apply to:

  • Flood damage
  • Earthquakes
  • Wear and tear
  • Pest damage
  • Damage that is the responsibility of the condo association

Additional insurance or endorsements may be available for certain risks.

Our team can help you understand your policy’s coverage, limits, and exclusions.

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Doesn't My Condo Association Already Have Insurance?

Yes—but the association’s insurance and your personal condo insurance protect different things.

A condo association master policy generally provides coverage for portions of the building and common property for which the association is responsible.

That could include areas such as:

  • The building's exterior
  • Roof
  • Hallways
  • Elevators
  • Shared amenities

However, the exact responsibilities of the association can vary significantly from one condominium community to another.

Your personal HO-6 condo insurance policy is designed to help protect your individual unit, belongings, personal liability, and other risks that may not be covered by the association’s policy.

That’s why it’s important to review both policies together rather than assuming the association’s coverage is enough.

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Our Services

Auto

Auto

Finding reliable car insurance that will protect your car and your family—so that every trip feels as good as it should.
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Home

Home

Protect the home, and everything in it, with insurance you can rely on.
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Life

Life

Help to keep loved ones at peace with life insurance that protects people who mean the most to you.
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Commercial

Commercial

Protect your business, employees and future with a custom commercial insurance policy.
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Boat

Boat

Enjoy your time on the water knowing that your boat and passengers are well protected.
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Rentals

Rentals

Complete coverage for rental property and the income it generates.
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Mobile Homes

Mobile Homes

Policy developed to protect your mobile home, and lifestyle no matter where you go.
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Condo

Condo

Intelligent coverage for your condo, possessions and shared space.
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Motorcycles

Motorcycles

Ride to the end of the open road with motorcycle insurance designed for every ride.
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What Our Clients Say

Buz Boyd
Top notch service and staff
Dustin Branson
Jerry Manley has been great to work with! Always super fast to respond and handle any of the many changing needs that have come up. Would 100% recommend this agent.
Kira Penn
Kem has always been responsive and helpful answering any questions I have, and his staff has only ever been respectful and polite when they call. I would recommend his expertise to anyone!
Cheryl
Kem handles all of my insurance needs and represents quite a few of my clients. When you have to file a claim you want an agent who is available and who cares about you. Kem shows up and handles everything every single time.
Jeninne Poe
I couldn’t be more pleased with the exceptional service I’ve received from Kem Monroe and the entire staff. From day one, they’ve been incredibly responsive, always quick to return calls, answer questions, and handle any issues that come up, big or small. I highly recommend them to anyone looking for an insurance team that’s professional, reliable and truly compassionate.
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Service Areas

Insurance Solutions Designed to Serve the Needs of Alabama Residents

Providing Coverage with Integrity, Commitment, and Confidence

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Hours

  • Mon to Thu: 8 am - 5 pm
  • Fri : 8 am - 4:30 pm
  • Sat - Sun : Closed

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Need Insurance

Need Insurance

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*Please DO NOT include any personal sensitive information (such as Social Security numbers, financial details, medical records, or passwords) when submitting this form.

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