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Condo owners in Florida buy HO-6 unit-owner policies that work alongside (and around the gaps in) the master association policy. After the post-Surfside reforms and the Citizens depopulation pushes, condo placement looks different than it did five years ago — particularly in older coastal buildings and associations whose master deductibles run high enough to push the unit owner's loss-assessment exposure into five figures. Florida First Insurance of Broward writes HO-6 statewide.
The decisive details on each placement are unit improvements vs. base "walls-in" definition (the master policy may cover one or the other depending on the association's bylaws), loss-assessment limit, personal-property limit, and whether the building's structural reserve and inspection paperwork qualify it for admitted-market pricing or pushes it to surplus lines. We read the master declarations on every account before binding.
HO-6 policies bind in Miami-Dade, Broward, and Palm Beach along the southeast Atlantic; through Collier and Lee on the Gulf; Sarasota and Manatee in the Suncoast; Pinellas, Hillsborough, and Pasco around Tampa Bay; Polk and Orange in central Florida; up through Seminole, Brevard, and Volusia; Alachua, Marion, and Duval north of the I-4 line; and Leon and Escambia in the Panhandle.
Condo unit-owner quotes are open to residents of Miami, Fort Lauderdale, West Palm Beach, Boca Raton, Fort Pierce, Port St. Lucie, Palm Bay, Melbourne, Titusville, Daytona Beach, Jacksonville, Gainesville, Ocala, Orlando, Lakeland, Winter Haven, Tampa, St. Petersburg, Clearwater, Sarasota, Bradenton, Fort Myers, Cape Coral, Punta Gorda, Naples, Pensacola, Fort Walton Beach, Panama City, and Tallahassee.
What Does Condo Insurance (HO-6) Cover?
- Interior Structure — Covers walls, floors, ceilings, and built-in fixtures inside your unit that your condo association's policy doesn't cover.
- Personal Property — Protects your furniture, electronics, clothing, and personal belongings from covered perils.
- Liability Coverage — Covers legal and medical costs if someone is injured inside your condo unit.
- Loss Assessment — Covers your share of special assessments charged by the condo association after a covered loss to common areas.