Condo Insurancedone the right way.
HO-6 coverage built for Florida condo living.
What a Florida
condo (HO-6) policy covers.
Every situation is different. We build the policy around yours.
Interior Structure
Cabinets, flooring, drywall and built-ins inside your unit.
Personal Property
Everything you'd take with you if you moved out.
Personal Liability
Injuries or damage you're responsible for, inside or outside your unit.
Loss Assessment
Your share of association losses that exceed the master policy.
Loss of Use
Living expenses while your unit is uninhabitable after a covered loss.
Water Backup
Damage from plumbing backups — a leading condo claim.
What's usually not included in your insurance, but we can get you coverage.
Common areas
Roof, lobby, elevators and grounds fall under the association master policy.
Flood
Rising water needs a separate flood policy, even on upper floors for contents.
Long-term rental use
Renting your unit out requires a landlord or DP-3 policy instead.
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Enter your address and a few quick details about what you're insuring.
Get immediate quotes
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You choose with confidence
We walk you through options, deductibles and discounts.
Let's cover your unit properly.
- Master policy gap review
- Loss assessment coverage included
- Quotes in about 15 minutes
Get started with a free quote.
Condo insurance questions.
Common questions about Florida condo (HO-6) insurance
What is an HO-6 policy?
It's the standard condo unit-owner policy. It covers the interior of your unit, your belongings, liability and loss assessments — everything the association's master policy doesn't.
Is condo insurance required in Florida?
Your lender will require it, and most associations require unit owners to carry it as well.
What is loss assessment coverage?
When association damage exceeds the master policy, owners are billed for the shortfall. Loss assessment coverage pays your share, up to your selected limit.
Do I need flood coverage in a condo?
Ground and lower-floor units especially. Even upper-floor owners should consider contents flood coverage where the association's flood policy is limited.