CONDO INSURANCE IN FLORIDA
Protection for Your Piece of Paradise.Â
Condo living in Florida offers an incredible lifestyle, and the right insurance helps protect what's yours. At Arrington Insurance, we help condo owners understand their coverage options so you can feel confident you're properly protected.Â
What Does Your Association Cover, and What Falls on You?Â
Condo insurance can be confusing because your association's master policy covers certain parts of the building, while your individual condo policy (HO-6) protects what's yours.
Association's Master Policy
Typically covers the building's exterior, common areas, and certain structural components, depending on the association's policy and governing documents.Â
UNDERSTANDING CONDO COVERAGE
Helps protect your personal belongings, insured portions of the unit's interior, personal liability, and additional coverages such as loss assessment, depending on the policy.Â
Your Condo Policy (HO-6)
FLORIDA CONDO INSURANCEÂ
Unique Considerations for Florida Condo Owners.Â
Every condo community is different, and your coverage needs depend on your association's master policy and governing documents. We'll help you understand the important details so you can choose the right protection for your unit.Â
Review Your Association's Master Policy
The coverage and limits vary by association. Knowing what's covered helps you determine what you need in your HO-6 policy.Â
Consider Loss Assessment Coverage
May help protect you if the association issues a covered assessment, depending on your policy and the situation.Â
Be Prepared for Wind & Hurricane Risks
Florida condos face unique weather risks. We'll help you understand deductibles, coverage options, and any association requirements.Â
Understand Flood Coverage
Your association's flood policy may not cover everything inside your unit. A separate flood policy may be an important consideration, depending on your building's location.Â
Interior Improvements
Helps cover items you've added to your unit, such as flooring, cabinets, and built-in appliances.
Important Coverages to Consider.
Personal Belongings
Covers your personal items, including furniture, electronics, and household goods, if they're damaged or stolen.Â
KEY CONDO COVERAGES
Personal Liability
Helps protect you financially if you're found responsible for certain injuries to others or damage to their property.Â
Loss Assessment
May provide coverage for certain assessments from your association, depending on your policy and the cause of the loss.Â
COMMON QUESTIONS
Condo Insurance FAQs
Here are answers to some of the most common questions we receive about condo insurance.
A condominium unit owner's policy, commonly called an HO-6 policy, generally provides coverage for personal belongings, personal liability, and certain interior building items or improvements that are the owner's responsibility. It may also include loss of use and loss assessment coverage. Coverage depends on the policy's terms, limits, deductibles, and exclusions.Â
The association's master policy generally insures portions of the condominium building and common property, while your individual HO-6 policy helps cover your personal belongings, liability, and certain items for which you're responsible. In Florida, the division of insurance responsibility is influenced by state law and the association's governing documents. Reviewing both policies is important to identify potential coverage gaps.Â
​Loss assessment coverage is worth considering because condominium associations may assess unit owners for certain losses or expenses. Depending on your HO-6 policy, this coverage may help pay your share of an assessment resulting from a covered loss. Not all assessments are covered, and special deductibles, limits, or exclusions may apply.
Standard HO-6 policies generally exclude damage caused by flooding, including storm surge and rising water. Your condominium association may have a flood policy covering certain building property, but that doesn't necessarily protect your personal belongings or everything inside your unit. Separate flood insurance may be available through the National Flood Insurance Program (NFIP) or private insurers.
​Depending on your insurer and property, you may be able to reduce your premium by comparing available carriers, qualifying for discounts, or adjusting deductibles and coverage options. Building characteristics, claims history, and the association's master policy can also affect your insurance needs. We can help you compare available options while considering the protection you need.
