Condo insurance, also called an HO-6 policy, covers the interior of your unit (walls, floors, cabinets, fixtures), your personal belongings, loss assessments from your association, and your personal liability. It picks up where your condo association's master policy ends.
What condo insurance covers
Walls-in coverage for improvements and the interior finish of your unit, depending on what your association's master policy includes.
Personal property for furniture, electronics and clothing. Loss of use if you have to move out during repairs.
Loss assessment coverage helps pay your share when the association assesses owners after a major loss to common areas, which has become increasingly important in Florida.
Personal liability for injuries to guests or damage you cause to other units.
Florida condo owners: read your master policy
Florida's condo laws and recent building-safety reforms have led to larger association assessments. Check whether your master policy is "bare walls" or "all-in" so your HO-6 limits match the gap.
Flood coverage for your unit and contents is separate. If you're in a coastal or low-lying area, ask about it.
Available in these states
Condo Insurance FAQ
Do I need condo insurance if my HOA has a master policy?
Yes. The master policy covers the building and common areas. Your HO-6 covers your unit's interior, your belongings, your liability and loss assessments.
What is loss assessment coverage?
If the association's insurance isn't enough after a major loss, owners can be assessed for the difference. Loss assessment coverage pays your share, up to your policy limit.
Can I bundle condo and auto?
Yes, and it typically earns a multi-policy discount. Start a quote with your ZIP code or call us.