Your condo association carries a master policy on the building, but it generally stops at your unit’s walls. A Florida condo policy, called an HO-6, is built to cover what’s inside: your unit’s interior, your belongings, your liability, and your share of an association assessment. As an independent agency, we compare A-rated carriers and help you size an HO-6 to your specific association and budget.
What an HO-6 policy can help cover
Interior of your unit
Flooring, cabinets, built-ins, fixtures, and interior walls: the “improvements and betterments” the master policy typically excludes.
Personal property
Furniture, electronics, clothing, and valuables damaged by a covered loss such as fire, theft, or sudden water leaks.
Loss assessment
Helps pay your share if the association’s master policy limit falls short after a major covered loss.
Personal liability
Legal fees and medical bills if a guest is injured inside your unit.
Additional living expenses
Temporary housing and related costs if a covered loss makes your unit unlivable.
Why every Florida condo owner should carry their own policy
Storm exposure stops at the studs
Association coverage generally ends at the structure; interior repairs and contents after a storm are the owner’s responsibility.
Water from neighboring units
A burst pipe two floors up can damage your unit, a common HO-6 claim.
Liability inside your unit
A slip-and-fall in your condo generally isn’t the association’s responsibility.
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What affects your premium
Location & floor
Coastal buildings and ground-floor units are rated differently for wind and water exposure.
Coverage limits
Your interior, contents, and loss assessment limits are the biggest levers on price.
Deductibles
Higher deductibles (including a separate hurricane deductible) usually lower the premium.
Claims history
Going without recent claims often helps your rate year over year.
Why Florida condo owners choose us
- We compare A-rated carriers Multiple carriers, so you can review competitive options rather than one company’s rate.
- We read the master policy with you We help match your HO-6 limits to your association’s coverage and bylaws.
- Local licensed agents Experienced Florida agents, not a call center.
- Claims advocacy When you file a claim, we help you through the process.
- Annual reviews At your request, we’ll check that your coverage and pricing still fit.
Condo coverage across Florida
We’re based in Largo and help condo owners throughout the Tampa Bay area, Pinellas County beaches, and the coast, from year-round residences to seasonal and rental units. Coastal and waterfront buildings have specific wind and flood considerations, and we can help you weigh them alongside your association’s coverage.