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Condo insurance

Condo insurance (HO-6) in Orlando and across Florida

Your association’s master policy covers the building. An HO-6 policy covers what’s yours inside it, plus the assessments that can follow a storm. We’ll match your policy to your association’s documents so there are no gaps.

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The short answer

An HO-6 policy covers the parts of your unit the association doesn’t, usually interior walls, flooring, cabinets and fixtures, plus your belongings, your liability and extra living costs after a covered loss. Loss assessment coverage helps pay your share if the association charges owners for a covered loss, such as its hurricane deductible.

Start with your association’s documents

Florida condo associations divide responsibility in their declarations. Some master policies cover only the bare walls. Others include original fixtures and finishes. The answer decides how much dwelling coverage your HO-6 needs. Send us your association’s insurance section, or the name of your association, and we’ll size your policy correctly.

What an HO-6 covers

  • Your unit: interior walls, floors, cabinets, countertops and fixtures the association doesn’t insure, including upgrades you’ve made.
  • Personal property: furniture, clothing and electronics.
  • Loss assessment: your share of a special assessment after a covered loss to common areas. With a large hurricane deductible on most master policies, this matters a lot in Florida.
  • Liability: injuries to guests and accidental damage to neighbors’ units, like water leaking into the unit below.
  • Loss of use: rent and extra costs if your unit is unlivable after a covered loss.

Flood and wind for condos

Flood is excluded, just like on a homeowners policy, and the association’s flood coverage may not reach your interior or belongings. Ask us about a flood policy for your unit. Wind is usually covered, with a hurricane deductible.

Renting out your condo?

If you rent it out, you’ll need a policy written for a rental unit, with coverage for loss of rents. Our landlord insurance page explains the options.

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Your unit address and your association’s name are enough to start. Own a house instead?

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Condo insurance questions

State law doesn’t require it, but most lenders do, and many associations require owners to carry it. Even without a requirement, it’s the only thing protecting your interior, belongings and liability.

It pays your share when the association assesses owners for a covered loss, such as damage to common areas or the master policy’s hurricane deductible. Ask us how much your association’s deductible could mean for you.

Sudden water damage to your unit is generally covered, subject to your deductible. Who pays can depend on the cause and your association’s rules, which is another reason to match your policy to your association’s documents.