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Florida Condo Association Insurance for Master Policies & HOAs

Protect your association’s property, residents, and board. Our condo association insurance covers Florida HOAs, master policies, and common area risks.

What Does Condo Association Insurance Cover in Florida?

Master Building Policy

Covers the exterior, roof, common walls, and shared structures.

General Liability

Protects against injury claims in common areas (lobby, pool, gym, walkways).

Directors & Officers Liability

Shields board members from lawsuits related to their HOA decisions.

Fidelity & Crime Coverage

Protection against embezzlement or theft of association funds.

Equipment Breakdown

Covers elevators, boilers, HVAC, and shared utilities.

Flood & Windstorm Coverage

Custom options for Florida’s unique weather risks.

Why Condo Association Insurance Matters in Florida

  • Storm, Wind & Water Damage
     Coastal exposure and hurricane season demand robust coverage.

  • Shared Responsibility & Legal Risk
     HOAs and boards face lawsuits for slip-and-fall, property issues, or governance disputes.

  • Lender & Legal Requirements
     Lenders and state laws require certain types and levels of master policy coverage.

Bundle Condo Association Insurance for Peace of Mind

Bundle property, liability, crime, and D&O for one streamlined program—saving money and protecting the entire association.


  • Discounts for complete packages

  • Annual reviews and ongoing service

  • Guidance for board transitions and new developments
Ask About HOA Insurance Packages

CONDO ASSOCIATION INSURANCE

Frequently Asked Questions

  • Is condo association insurance required in Florida?

    Yes—state law and lender guidelines mandate master and liability policies.

  • What’s the difference between a master policy and unit owner coverage?

    Master covers building and shared areas; unit owner (HO-6) covers interior and personal belongings.

  • Can we get flood and hurricane protection?

    Absolutely—essential in Florida, with flexible options.

  • Does insurance cover the HOA board?

    Yes, Directors & Officers (D&O) liability is included or available as an option.

Still Have HOA Insurance Questions?

Protect Your Condo Association—Start Today

Let American Insurance Agency help you protect your building, your board, and your residents—with coverage built for Florida’s condo communities.

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