Florida condo insurance (also called HO6 or condominium insurance) is a necessary safeguard for the contents in your home. It picks up where your HOA policy leaves off to protect your walls, furnishings, belongings, liability, and more.

Finding condo insurance in Florida

If you’re a homeowner living in a condo in Florida, you need condo insurance (HO-6 insurance) to fill the gaps the homeowners association policy won’t cover. Good news for condo owners in the Sunshine State: it’s super easy to get condo insurance through Kin. Our carriers cover all types of condos – even those you own and rent out on home-share sites like Airbnb.

HO-6 policies can insure condo owners of all kinds, including those who:

• Live in a townhouse, rowhouse, or high rise.

• Use the condo as a primary residence, seasonal residence, or for short-term renting.

• Have a condo owned by an LLC or trust.

Because condo insurance for Florida homeowners doesn’t have to cover the entire structure of your place, it’s surprisingly affordable.

Florida condo insurance discounts

To help you save even more on your condo insurance in Florida, we’ll check to see if you qualify for discounts. For example, you may see a  discount for:

• Strong wind mitigation features.

• Fire protective devices.

• Being a mature condo owner.

• Signing up for an electronic policy. (Save some trees!)

We can also recommend the deductibles that make sense for your budget. Typically, choosing slightly higher deductibles can reduce your condo insurance in Florida costs. Just remember that you’re responsible for covering your deductible in a claim.

What does condo insurance cover in Florida?

Your homeowners association has a “master” insurance policy (sometimes called HOA insurance) to cover your building’s exterior and damage and accidents in common areas. But that policy doesn’t cover anything inside your unit. You need Florida HO6 insurance for that.

Condo insurance covers your home from the walls in, including:

• The inside of your condo. Dwelling coverage can help pay to repair or replace damaged ceilings, floors, additions, and more.

• Your personal property. This is where your policy really shines! Personal property insurance typically protects your furniture, appliances, clothing, electronics, decor, furnishings, and more.

• Loss of use. If a covered Florida HO6 insurance claim forces you to temporarily relocate, loss of use coverage can help pay for dining out, hotel stays, and more.

• Personal liability. If someone is hurt in your home and they sue, the personal liability coverage in your policy can help. 

• Medical payments. Medical payments coverage can help with immediate medical expenses for guests who experience injuries in your home.

Most condo insurance covers damage from all incidents except those explicitly excluded in your policy. So if the inside of your condo is damaged by fire, theft, vandalism, storm winds, or hail, you’re typically covered.

Standard HO6 insurance in Florida usually doesn’t cover damage from:

• Earthquakes and mudslides.

• Flood damage (though you can always add on flood coverage).

• Demolition or seizure by the government.

Is loss assessment coverage included in Florida condo insurance?

Coverage for loss assessment comes standard in most condo policies. It can help pay your assessments for shared losses, stepping in when those losses are caused by incidents your condo policy covers –potentially saving you thousands of dollars that would otherwise come out of your pocket.

You can always add on more loss assessment protection, too.