Condominium Insurance in Florida

If you own a condominium, your building's master policy generally covers shared areas and the building structure, but it typically does not cover your personal belongings, interior finishes, or personal liability. That's where a condo insurance policy, often called an HO-6 policy, comes in.

With so many condominiums across Florida, our agents regularly help condo owners review coverage options that work alongside their association's master policy.

What Condominium Insurance Can Help Cover

• Interior walls, flooring, and fixtures inside your unit
• Personal belongings such as furniture, electronics, and clothing
• Liability coverage if someone is injured inside your unit
• Loss assessment coverage for certain shared-building costs
• Additional living expenses if your unit becomes temporarily uninhabitable after a covered loss

Who This Coverage Is For

Condo insurance is relevant for condominium owners throughout Florida, whether you live in your unit full-time, use it seasonally, or rent it out. Our agents can help you understand how your coverage works alongside your building's master policy.

Condo Living in Florida

Master policy coverage varies significantly between buildings and associations. It's worth reviewing your association's master policy alongside your own coverage so you understand where the gaps may be.