Condo Insurance Quotes In Florida

What an HO-6 Policy Protects

• Personal Property – Furniture, electronics, clothing, and valuables damaged by fire, theft, or sudden water leaks.

• Interior Unit (Improvements & Betterments) – Floors, cabinets, built-ins, and interior walls your association’s policy stops at the sheetrock.

• Loss Assessment – Pays your share when the association’s master policy limit isn’t enough after a major claim.

• Personal Liability – Covers legal fees and medical bills if a guest is injured in your condo.

• Additional Living Expenses – Hotel stays, meals, and other costs if a covered loss makes your unit unlivable.

Why Every Florida Condo Owner Needs Their Own Policy

• Hurricane & tropical-storm exposure – Association coverage ends at the studs; interior repairs and contents are on you.

• Water damage from neighboring units – Burst pipes two floors up can ruin your space in minutes.

• Theft & vandalism – Master policies rarely address unit-specific losses.

• Legal liability – Slip-and-fall claims inside your condo aren’t the association’s responsibility.

Hurricane & Flood Considerations

Most HO-6 policies include windstorm coverage, but coastal properties may need a separate wind or named-storm deductible. Flood damage is never covered—add a standalone flood policy if you’re in a high-risk zone or on a ground-floor unit.

What Drives Your Premium?

Get a Free Florida Condo Insurance Quote

Whether you live in your condo year-round, visit seasonally, or rent it to others, Florida Best Quote compares top carriers to find the right protection at the best price. Call or click today for a no-obligation quote and keep your investment storm-ready and worry-free.