Condo Insurance
Peace of mind for your piece of paradise.
Protect your condo unit and everything in it with tailored coverage that understands shared spaces and personal property.
Why Condo Insurance Matters
Living in a condo offers convenience and community—but it also means shared responsibilities. Your HOA’s master policy likely covers the building’s exterior and common areas, but it won’t protect the inside of your unit or your personal belongings. That’s where condo insurance comes in. We help you fill in the gaps with coverage for everything from flooring and cabinetry to electronics and liability.
What This Insurance Covers
Interior Unit Coverage
Protects walls, floors, fixtures, and built-in features that the condo association’s policy doesn’t cover.
Personal Property
Covers furniture, electronics, and valuables damaged by covered events.
Liability Protection
Provides coverage if someone is injured in your unit or if you accidentally damage common areas.
Loss Assessment
Helps cover your portion of repairs or losses in shared spaces as determined by the condo association.
Frequently Asked Questions
What does condo insurance cover that my HOA does not?
Your HOA’s master policy usually covers the structure of the building and shared areas, but not the inside of your unit. Condo insurance covers everything from your drywall and flooring to personal items and appliances. It also includes liability protection for accidents that occur in your unit.
Is flood insurance included with condo coverage?
No—flood insurance is separate, and it’s essential in Florida. Even if your building is insured by the HOA, your personal unit and belongings may not be covered in a flood event. We can help you pair your condo policy with flood insurance.
What is loss assessment coverage, and do I need it?
Loss assessment coverage helps pay for shared losses if your HOA charges unit owners after a major claim—like damage to a pool or roof. It’s an affordable way to protect yourself from unexpected out-of-pocket costs for common areas. In Florida, it’s a common and recommended add-on.
Can I insure my condo as a seasonal or rental property?
Yes! We offer coverage for seasonal homes, snowbird residences, and short-term rentals. These policies take into account vacancy risks and liability related to guests or tenants. Let us know how you use your condo, and we’ll tailor your coverage accordingly.