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Condo Insurance

What is Florida Condo Insurance?

Florida Condo Insurance, also known as HO6 insurance, is a type of property insurance specifically designed for condominium owners in Florida. This insurance provides coverage for the interior of the condo unit, the owner’s belongings, and liability for personal injuries suffered within the unit.

The policy typically covers:

Interior Structure

It provides coverage for the interior of your condo unit. This includes built-in appliances, walls, floors, and sometimes installations like upgraded countertops or bathroom fixtures.

Personal Property

Florida condo insurance covers your personal belongings inside the condo. This includes furniture, electronics, clothing, and more.

Liability Protection

If someone gets injured in your condo and you are held responsible, your condo insurance can cover the legal and medical expenses.

Loss of Use

Should your condo become uninhabitable due to a covered peril (like a fire or storm), your policy can help pay for additional living expenses while your home is being repaired.

Medical Payments to Others

This part of the policy covers medical costs if a guest is injured on your property.

It’s important to note that while the condo association might have an insurance policy, it usually only covers the building exterior and common areas, not the interior of your unit or personal belongings.