Condo Insurance
HO6 coverage that picks up where your association's master policy leaves off — protecting your unit, your belongings, and your liability.
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What is HO6 condo insurance?
HO6 is the industry-standard policy form designed specifically for condo, townhouse, and co-op owners. Unlike homeowners insurance (HO3), it's built to coordinate with your association's master policy — covering what the association doesn't.
Your condo association's master policy typically covers the building's structure, common areas, and shared systems. But it usually stops at your unit's walls. That's where HO6 comes in — it covers everything from the walls in: your interior finishes, personal belongings, and personal liability.
Your HO6 policy vs. master policy
Understanding the gap between what your association covers and what you're responsible for is critical. Here's how it typically breaks down:
Your HO6 Policy
- Interior walls, floors, ceilings
- Cabinets, counters, fixtures
- Personal belongings
- Upgrades and improvements
- Personal liability
- Loss assessment coverage
Your Flood Policy
Standard HO6 does not cover flood damage. In Florida, you need separate flood insurance to protect your unit's interior and belongings from flooding — even if you're not in a high-risk zone.
Association's Master Policy
- Building exterior and structure
- Roof and common areas
- Shared systems (plumbing, electrical)
- Hallways, lobbies, amenities
- Liability for common areas
- Fences, parking lots, pools
Association's Flood Coverage
Your HOA may or may not carry flood insurance for the building and common areas. Check your association's master policy to understand what's covered.
Important: Master policies vary. Some cover "bare walls" only, while others include standard fixtures. We'll help you review your association's policy to make sure there are no gaps.
What does condo insurance cover?
Dwelling (Walls-In)
Covers your unit's interior — flooring, cabinets, fixtures, countertops, built-in appliances, and any upgrades you've made. If a covered event damages your interior, this pays to repair or rebuild it.
Personal Property
Covers your belongings — furniture, electronics, clothing, and more. If they're stolen or damaged by a covered peril, your policy helps replace them. High-value items like jewelry may need additional coverage.
Personal Liability
Protects you if someone is injured in your unit or if you accidentally damage someone else's property. Covers legal fees and settlements up to your policy limits.
Loss of Use
If your condo becomes uninhabitable due to a covered loss, this pays for temporary housing and additional living expenses while repairs are made.
Common questions about condo insurance
Is condo insurance required?
If you have a mortgage, your lender will almost certainly require HO6 coverage. Even if you own outright, it's strongly recommended — your association's master policy won't cover your interior or belongings, and you'd be personally liable for incidents in your unit.
How much does condo insurance cost in Florida?
Premiums vary based on your unit's value, location, building construction, and coverage limits. In Florida, annual premiums typically range from $500 to $2,000+, depending on these factors. We compare quotes from multiple carriers to find competitive rates.
Is condo insurance included in my HOA fees?
No. Your HOA fees fund the association's master policy, which covers common areas and the building structure. Your personal HO6 policy is separate and covers your unit's interior and belongings.
What is loss assessment coverage?
If your association faces a major loss that exceeds their master policy limits, they can assess each owner for a share of the costs. Loss assessment coverage helps pay your portion of these special assessments.
Do I need flood insurance for my condo?
Standard HO6 policies don't cover flood damage. If you're in a flood zone (or even if you're not — most Florida flood claims come from outside high-risk zones), separate flood insurance is recommended. We can help you find coverage.
What discounts are available?
Common discounts include: monitored burglar/fire alarms, fire sprinklers, gated communities, impact-resistant windows, wind mitigation features, and bundling with auto insurance. We'll make sure you're getting every discount you qualify for.
Florida condo insurance carriers we work with
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