Boca Raton · Palm Beach County
Boca Raton Condo Insurance
HO-6 condo insurance for Boca Raton high-rises, country club communities and 55+ condos, built around your association's master policy.
What to know
Boca Raton Condo: the details that matter
Boca Raton has one of Florida's largest concentrations of condominiums. Your HO-6 policy has to fit your association's master policy, its hurricane deductible and Florida's newer building-safety rules.
- What the master policy coversFlorida law generally makes unit owners responsible for interior finishes, fixtures, appliances and personal property. We confirm with your declaration.
- Loss assessment coverageAfter a hurricane, a large master-policy deductible can be split among owners. Loss assessment coverage helps pay your share.
- Milestone inspections and reservesBuildings three stories or taller now face milestone inspections and structural integrity reserve studies. Assessments for repairs aren't usually covered by insurance, but knowing the timeline helps you plan.
- Water damageLeaks from your unit into a neighbor's are one of the most common condo claims. Liability and water coverage matter.
Your coverage checklist
What a good policy includes
Use this when you compare quotes. We'll show you how each carrier handles every item.
Building (Coverage A) for interiors and improvements
Personal property at replacement cost
Loss assessment sized to the master deductible
Loss of use
Personal liability for water and injury claims
Flood for ground-floor and coastal units
FAQ
Common questions
How much loss assessment coverage do I need in Boca?
Start with your unit's share of the master policy's hurricane deductible. We'll calculate it from your association's documents.
Does condo insurance cover special assessments for repairs?
Generally only when the assessment follows a covered loss, like hurricane damage. Routine repairs and reserve shortfalls usually aren't covered.
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