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Florida Condo Insurance That Fits Your Lifestyle

Protect your condo and everything inside it. Our Florida condo insurance policies offer coverage for your unit, your belongings, and your peace of mind—no matter what your association requires.

What Our Condo Insurance Covers

We design each Florida condo insurance policy to work with your HOA’s master policy and your personal needs.

Interior Unit (Walls-In) Coverage

Protects upgrades, flooring, fixtures, cabinets, and walls inside your condo.

Personal Property

Covers furniture, electronics, clothing, and valuables from theft, fire, and storm.

Loss Assessment Coverage

Helps pay for your share of losses to common areas or association property.

Liability Protection

Covers legal or medical costs if someone is injured inside your condo unit.

Loss of Use

Pays for temporary living expenses if your condo becomes unlivable after a covered claim.

Optional Water Backup & Special Endorsements

Add-ons for extra peace of mind in Florida’s unpredictable climate.

Why Condo Insurance Matters in Florida

Owning a condo in Florida means dealing with hurricane risks, changing laws, and unique association requirements. The right HO-6 condo insurance covers gaps left by your HOA master policy and protects what you’ve invested in your home.


  • Florida-Specific Coverage
    Guidance on flood, wind, and hurricane protections that are critical in the state.

  • Understanding HOA Policies
    We review your association’s policy and help you fill in the gaps—so you’re never underinsured.

  • Smooth Claims Experience
    Local, fast support when you need it most.

  • Discounts for Safety Upgrades
    Save with wind mitigation, alarms, or bundling with auto or homeowners policies.

CONDO INSURANCE

Frequently Asked Questions

  • What is an HO-6 condo insurance policy in Florida?

    An HO-6 policy covers your condo unit’s interior, your personal belongings, liability, and additional living expenses—not the entire building.

  • Does condo insurance cover hurricanes in Florida?

    Most policies cover wind damage, but you may need extra flood or hurricane coverage. We’ll explain your options for full protection.

  • How do I know what my HOA’s master policy covers?

    We review your association’s documents and explain what’s covered—and what you still need to protect.

  • Can I get condo insurance if I rent out my unit?

    Yes! We offer landlord and rental condo insurance policies across Florida.

  • How much does condo insurance cost in Florida?

    Premiums depend on your unit’s value, location, and coverage choices. Ask for a personalized condo insurance quote.

Protect Your Condo Today

Don’t leave your home’s value at risk. Get the right protection for your condo—so you’re secure, prepared, and confident for whatever comes next.

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