Florida Condo Insurance (HO-6)

A Florida condo policy typically covers everything from the studs in — interior walls, flooring, cabinetry, built-in appliances and any improvements or betterments you've added. It also protects your personal belongings, provides personal liability coverage if someone is injured in your unit, and pays for additional living expenses if your condo becomes uninhabitable after a covered loss.

One of the most valuable features is loss assessment coverage, which steps in when your HOA bills owners for damage that exceeds the master policy's limit — a common scenario after a hurricane or major water loss.

Florida condo associations carry either a "bare walls" or "all-in" master policy. Bare-walls policies stop at the structural framing, leaving owners responsible for drywall, flooring and fixtures — which means you need a higher dwelling limit on your HO-6. All-in master policies extend further, sometimes including original fixtures and appliances. We'll help you read the declarations page so your personal policy lines up correctly and you aren't doubling up or leaving gaps.

• Dwelling (Coverage A): Walls-in improvements and built-ins.
• Personal Property (Coverage C): Furniture, electronics, clothing, kitchenware.
• Loss of Use: Hotel and meal costs after a covered claim.
• Personal Liability: Lawsuits from guest injuries or damage you cause.
• Loss Assessment: Your share of HOA assessments after a major loss.
• Water backup, equipment breakdown, scheduled jewelry as add-ons.

Hurricane wind is generally included with a separate percentage deductible. Flooding from rising water — including storm surge — requires a separate flood policy, which we can also write. Many lenders require HO-6 coverage at the time of purchase, and your condo association may set a minimum required limit.