Florida's condominium law splits responsibility between the association and each unit owner. The association insures the building. You insure most of what's inside your unit and your own liability. An HO-6 policy fills that gap.
What the master policy usually excludes
Under Florida's condominium statute, the association's property policy generally does not cover a unit's personal property, floor, wall and ceiling coverings, electrical fixtures, appliances, water heaters, water filters, built-in cabinets and countertops, and window treatments. Those are the unit owner's to insure, along with any improvements you've made.
What a good HO-6 includes
- Building (Coverage A) for the interior items above, at a limit that matches your finishes.
- Personal property at replacement cost.
- Loss assessment for your share of a special assessment after a covered loss to common areas or a large master-policy deductible.
- Liability if someone is hurt in your unit or water from your unit damages a neighbor's.
- Loss of use if you can't live in the unit during repairs.
Bring your association documents
Send us the master policy declarations and the declaration of condominium. We'll check the master deductible and set your loss assessment and Coverage A limits to match.
This article is general information, not advice about your specific policy. Coverage, eligibility and discounts depend on your carrier's filed rates and policy language. Talk with a licensed agent about your situation.