Interior Building Property
Covers interior walls, drywall, flooring, kitchen cabinets, countertops, and appliances that you are responsible for under Florida Statute 718.111.
Condominium Unit Protection
Florida Condominium Insurance (HO-6)
Protection for your condo unit interior, upgrades, personal belongings, and personal liability. Coordinated seamlessly with your association's master policy.
Key HO-6 Coverage Areas
Understanding where the HOA's responsibility ends and your personal policy begins.
Personal Belongings
Protects furniture, clothing, entertainment equipment, and personal items within the unit against covered storm, fire, or theft perils.
Loss Assessment Coverage
Critical in Florida; helps pay your share of special assessments levied by the condo association for covered damage to shared building elements.
What to prepare for your conversation
Unit address, association master policy, association insurance responsibilities, and your current declarations page.
Coverage and eligibility questions
Ask where the master policy ends, which unit improvements are your responsibility, and how deductibles and loss assessment provisions apply. Availability and coverage depend on the insurer and policy terms.
Next steps
No obligation. Request a quote to start an agent follow-up; this website does not provide an instant price or bind coverage.
Can I ask for help before I have every document?
Yes. Start with the information you have. The agency can explain what else is needed to review available options.