Florida
Florida condo (HO-6) insurance quotes
A Florida condo needs an HO-6 policy that fits the gap between your association's master policy and your unit. Get the association coverage type wrong and you are either paying for coverage twice or leaving your interior unprotected.
Show my quotes →What moves the price
- Coverage A (dwelling / building property) sized to the association's master policy type
- Loss assessment coverage for your share of association deductibles and shortfalls
- Hurricane deductible on the unit policy
- Unit floor, building age, and whether the association carries wind coverage
- Rental or seasonal occupancy, which changes carrier appetite
All-in vs. bare-walls associations
Read the master policy declaration before you buy:
- All-in / all-inclusive: the master policy covers original fixtures, so your HO-6 Coverage A can be lower
- Bare-walls: everything inside the unfinished walls is yours — cabinets, flooring, drywall, fixtures
- Either way, loss assessment matters after a hurricane when associations pass through deductibles
Flood for condo units
Association flood policies often cover the building shell only, and contents inside the unit can be excluded. Ground-floor and coastal units in AE or VE zones should carry unit-level flood — we price it alongside the HO-6.
Common questions
It depends on whether the association master policy is all-in or bare-walls. Bare-walls buildings need enough to rebuild the entire interior of the unit.
No. Personal property and interior improvements are covered by your own HO-6 policy.
Related: Florida flood zones · Condo HO-6 insurance · Quotes by city
Licensed Florida agency (FL License #P082969). Text 4QUOTE (478683) anytime or call (877) 373-6073 to talk to a live agent.
Show my quotes →