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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 in features 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 may be able to 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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- Master policy gap review
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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.
What does the association's master policy cover versus my HO-6?
The master policy generally covers the building structure and common areas. Whether it stops at the bare walls or includes original fixtures depends on the association's documents and Florida statute. Your HO-6 covers what the master policy does not: interior improvements, personal property, liability, loss of use and loss assessment.
How much dwelling coverage should be on my HO-6?
Enough to replace everything inside the unit that the association is not responsible for — cabinets, flooring, built-ins, fixtures and any upgrades. We review the association's declarations to set the limit rather than guessing.
How do Florida's structural reserve and milestone inspection rules affect condo owners?
Milestone inspection and structural integrity reserve study requirements can lead to special assessments for repairs. Insurance does not pay for maintenance-driven assessments, but loss assessment coverage can respond to assessments arising from a covered loss. Raising that limit is inexpensive and worth reviewing.
Does my HO-6 cover water damage from a neighbor's unit?
Damage to your interior and contents from a sudden discharge originating in another unit is typically covered under your policy, subject to your deductible. Your carrier may then pursue recovery from the responsible party.