Condo Insurance in Florida: Where the Association Policy Stops and Yours Begins

Condo owners buy the cheapest HO-6 they can find and assume the association covers the rest. The master policy's deductible and its definition of the insured unit decide otherwise.

Read the Master Policy First

All-in policies cover original fixtures and finishes; bare-walls policies stop at the drywall. Your HO-6 must fill whichever gap the association leaves.

Loss Assessment Coverage

When the association's deductible or shortfall is passed to owners, loss assessment coverage pays your share. Florida hurricane deductibles make this critical, and low default limits of $1,000 are common.

• Confirm your loss assessment limit
• Ask whether hurricane assessments are included
• Increase the limit if the master deductible is large

Building Property and Personal Liability

Coverage A on a condo policy pays for your interior improvements. Do not size it from a template.

Frequently Asked Questions

How much loss assessment coverage should a Florida condo owner carry?

Many owners are better served with $50,000 or more when the master policy carries a large hurricane deductible.

Does my HO-6 cover the association's hurricane deductible?

Only through loss assessment coverage, and only up to your chosen limit and any hurricane assessment sub-limit.

Talk to a Licensed Florida Agent

SunGate Insurance Agency is a locally owned and operated independent agency in Lake Mary, Florida, serving clients across the state. Send us your current declarations page or a competing proposal and we will show you exactly what changed — in writing. Call 407.878.7979 or start with our quote calculator.