Condo insurance, also called an HO-6 policy, picks up where your condo association’s master policy leaves off — protecting your belongings, your unit’s interior and your personal liability.
Condo unit owners, including seasonal residents.
Associations can pass special assessments on to owners after a storm.
Loss assessment, flood (contents & building), umbrella.
Condo insurance coverages
Coverage varies, but a typical HO-6 policy may include:
- Dwelling (walls-in)Covers your unit’s interior — floors, cabinets, fixtures and improvements — after covered events like fire or windstorms.
- Personal propertyHelps repair or replace furniture, clothing, electronics and other belongings.
- Personal liabilityHelps with medical bills or legal costs if someone is injured inside your unit.
- Loss of useCovers extra living costs, such as a hotel, if your condo is unlivable during repairs.
- Loss assessmentHelps pay your share of a covered special assessment charged by the association.
Florida tip: Read your association’s master policy and bylaws — they decide where the association’s responsibility ends and yours begins. Send them to us and we’ll match your HO-6 to the gap.
Condominium insurance across the Treasure Coast
Our office is at 1165 SW 27th Street, Palm City, FL 34990, and we help clients with condominium insurance throughout Martin and St. Lucie counties — and anywhere in Florida.
Frequently asked questions
What’s the difference between the master policy and my HO-6?
The association’s master policy covers the building and common areas. Your HO-6 covers your unit’s interior, your belongings and your personal liability. How much of the interior you must insure depends on your association documents.
Do I need flood insurance for a condo?
Your association may carry flood on the building, but that usually doesn’t cover your belongings or your interior improvements. A separate contents flood policy is worth considering, especially on Hutchinson Island and waterfront buildings.
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