{"id":177,"date":"2026-10-10T18:06:08","date_gmt":"2026-10-10T22:06:08","guid":{"rendered":"https:\/\/www.myuniversalinsurance.com\/condo-insurance\/"},"modified":"2026-10-29T15:06:55","modified_gmt":"2026-10-29T19:06:55","slug":"condo-insurance","status":"publish","type":"page","link":"https:\/\/www.myuniversalinsurance.com\/es\/condo-insurance\/","title":{"rendered":"Seguro de condominio"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"177\" class=\"elementor elementor-177\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-68c3f18 e-flex e-con-boxed uia-pagehero e-con e-parent\" data-id=\"68c3f18\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ed97237 elementor-widget elementor-widget-text-editor\" data-id=\"ed97237\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"uia-crumbs\"><nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><span class=\"last\">Home<\/span><\/p><\/nav><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-92a78fb uia-eyebrow elementor-widget elementor-widget-heading\" data-id=\"92a78fb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Condo insurance<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-77d1dd6 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"77d1dd6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Condo insurance (HO-6) in Orlando and across Florida<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4f325e0 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"4f325e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Your association&#8217;s master policy covers the building. An HO-6 policy covers what&#8217;s yours inside it, plus the assessments that can follow a storm. We&#8217;ll match your policy to your association&#8217;s documents so there are no gaps.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9952726 elementor-widget elementor-widget-text-editor\" data-id=\"9952726\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"uia-btns\"><a class=\"uia-a-btn uia-gold\" href=\"\/get-a-quote\/?coverage=condo\">Get a condo quote<\/a><a class=\"uia-a-btn uia-ghost\" href=\"tel:+14078981116\">Call (407) 898-1116<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-63e83eb e-flex e-con-boxed e-con e-parent\" data-id=\"63e83eb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-aa9435f e-flex e-con-full e-con e-child\" data-id=\"aa9435f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-4b80008 e-flex e-con-full uia-answer e-con e-child\" data-id=\"4b80008\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2e887be elementor-widget elementor-widget-heading\" data-id=\"2e887be\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">The short answer<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-64a5222 elementor-widget elementor-widget-text-editor\" data-id=\"64a5222\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>An HO-6 policy covers the parts of your unit the association doesn&#8217;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.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3275b9d uia-prose elementor-widget elementor-widget-text-editor\" data-id=\"3275b9d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2>Start with your association&#8217;s documents<\/h2><p>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&#8217;s insurance section, or the name of your association, and we&#8217;ll size your policy correctly.<\/p><h2>What an HO-6 covers<\/h2><ul><li><strong>Your unit:<\/strong> interior walls, floors, cabinets, countertops and fixtures the association doesn&#8217;t insure, including upgrades you&#8217;ve made.<\/li><li><strong>Personal property:<\/strong> furniture, clothing and electronics.<\/li><li><strong>Loss assessment:<\/strong> 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.<\/li><li><strong>Liability:<\/strong> injuries to guests and accidental damage to neighbors&#8217; units, like water leaking into the unit below.<\/li><li><strong>Loss of use:<\/strong> rent and extra costs if your unit is unlivable after a covered loss.<\/li><\/ul><h2>Flood and wind for condos<\/h2><p>Flood is excluded, just like on a homeowners policy, and the association&#8217;s flood coverage may not reach your interior or belongings. Ask us about a <a href=\"\/flood-insurance\/\">flood policy<\/a> for your unit. Wind is usually covered, with a hurricane deductible.<\/p><h2>Renting out your condo?<\/h2><p>If you rent it out, you&#8217;ll need a policy written for a rental unit, with coverage for loss of rents. Our <a href=\"\/landlord-insurance\/\">landlord insurance page<\/a> explains the options.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b2ff3f9 e-flex e-con-full e-con e-child\" data-id=\"b2ff3f9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_offset&quot;:110,&quot;sticky_on&quot;:[&quot;desktop&quot;],&quot;sticky_parent&quot;:&quot;yes&quot;,&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\">\n\t\t<div class=\"elementor-element elementor-element-0fe492f e-flex e-con-full uia-side e-con e-child\" data-id=\"0fe492f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-388c2b3 elementor-widget elementor-widget-heading\" data-id=\"388c2b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Get a condo quote<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cd3fa5d elementor-widget elementor-widget-text-editor\" data-id=\"cd3fa5d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Your unit address and your association&#8217;s name are enough to start. <a href=\"\/homeowners\/\">Own a house instead?<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9ddd394 elementor-widget elementor-widget-text-editor\" data-id=\"9ddd394\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"uia-btns\"><a class=\"uia-a-btn uia-gold\" href=\"\/get-a-quote\/?coverage=condo\">Start my quote<\/a><a class=\"uia-a-btn uia-ghost\" href=\"\/home-owner-quotes\/\">Fill out the full application<\/a><a class=\"uia-a-btn uia-ghost\" href=\"tel:+14078981116\">Call (407) 898-1116<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-12d9181 e-flex e-con-boxed e-con e-parent\" data-id=\"12d9181\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2140e9f elementor-widget elementor-widget-heading\" data-id=\"2140e9f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Condo insurance questions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ff7ffd elementor-widget elementor-widget-accordion\" data-id=\"2ff7ffd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-5021\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-5021\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Is condo insurance required in Florida?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-5021\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-5021\"><p>State law doesn&#8217;t require it, but most lenders do, and many associations require owners to carry it. Even without a requirement, it&#8217;s the only thing protecting your interior, belongings and liability.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-5022\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-5022\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">What is loss assessment coverage?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-5022\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-5022\"><p>It pays your share when the association assesses owners for a covered loss, such as damage to common areas or the master policy&#8217;s hurricane deductible. Ask us how much your association&#8217;s deductible could mean for you.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-5023\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-5023\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Does my condo policy cover water damage from the unit above?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-5023\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-5023\"><p>Sudden water damage to your unit is generally covered, subject to your deductible. Who pays can depend on the cause and your association&#8217;s rules, which is another reason to match your policy to your association&#8217;s documents.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Is condo insurance required in Florida?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>State law doesn&#8217;t require it, but most lenders do, and many associations require owners to carry it. Even without a requirement, it&#8217;s the only thing protecting your interior, belongings and liability.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"What is loss assessment coverage?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>It pays your share when the association assesses owners for a covered loss, such as damage to common areas or the master policy&#8217;s hurricane deductible. Ask us how much your association&#8217;s deductible could mean for you.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Does my condo policy cover water damage from the unit above?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Sudden water damage to your unit is generally covered, subject to your deductible. Who pays can depend on the cause and your association&#8217;s rules, which is another reason to match your policy to your association&#8217;s documents.<\\\/p>\"}}]}<\/script>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9080eb1 e-con-full e-flex e-con e-parent\" data-id=\"9080eb1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0f856c9 elementor-widget elementor-widget-html\" data-id=\"0f856c9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Service\",\"name\":\"Condo Insurance (HO-6)\",\"serviceType\":\"Condominium unit owners insurance\",\"description\":\"HO-6 condo insurance for Florida unit owners, matched to the association master policy, with loss assessment coverage.\",\"url\":\"https:\/\/www.myuniversalinsurance.com\/condo-insurance\/\",\"provider\":{\"@id\":\"https:\/\/www.myuniversalinsurance.com\/#organization\"},\"areaServed\":{\"@type\":\"State\",\"name\":\"Florida\"}}<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Condo insurance Condo insurance (HO-6) in Orlando and across Florida Your association&#8217;s master policy covers the building. An HO-6 policy covers what&#8217;s yours inside it, plus the assessments that can follow a storm. We&#8217;ll match your policy to your association&#8217;s documents so there are no gaps. Get a condo quoteCall (407) 898-1116 The short answer [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-177","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/pages\/177","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/comments?post=177"}],"version-history":[{"count":5,"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/pages\/177\/revisions"}],"predecessor-version":[{"id":407,"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/pages\/177\/revisions\/407"}],"wp:attachment":[{"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/media?parent=177"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}