Independent Condo Coverage
Florida Condo Insurance (HO-6)
Your condo association's master policy stops at the walls — everything inside your unit is on you. We build HO-6 policies that dovetail with your association's coverage so you're not paying twice or, worse, covered nowhere.
Inside your policy
Condo coverage — tailored, not templated.
Interior / Walls-In
Covers everything from the drywall in: flooring, cabinets, fixtures, and improvements to your unit.
Personal Property
Protects your belongings inside the unit and often anywhere in the world.
Loss Assessment
Helps pay your share when the association levies an assessment after a major loss — critical in Florida today.
Liability Protection
Covers injuries to guests in your unit and damage you accidentally cause to neighboring units.
Loss of Use
Pays for temporary housing if a covered loss makes your unit uninhabitable.
Water Backup
Optional but wise in multi-story buildings: covers damage from backed-up drains and shared plumbing.
The Florida factor
Florida is a different insurance market. We work it every day.
Post-Surfside legislation reshaped Florida condo associations' budgets and master policies, and unit owners are feeling it in assessments. Loss assessment coverage — often just a few dollars more — has never mattered more.
In good company
A portfolio of trusted Florida carriers
Condo coverage where you live
Often bundled with
Protect what matters.
Tell us what you need to protect and our local team will return clear condo options across multiple carriers — no pressure, no spam.