Florida Condo Insurance (HO‑6)

Protect your condo unit, belongings, and liability with HO-6 insurance from Greene & Associates. We cover what your HOA master policy may not.

Check Prices 1-800-252-6885

Florida Condo Insurance (HO-6) at a Glance

Your HOA's master policy covers the building exterior — you need HO-6 for your unit's interior, belongings, and liability
Covers improvements you've made (cabinets, flooring, fixtures) from the studs in
Loss assessment coverage protects you if the HOA levies a special assessment after a covered loss
Flood insurance is separate and recommended even if your condo is not in a high-risk zone

Condo quote prep

Quote the HO-6 around the master policy, unit upgrades, and loss assessment exposure

Condo insurance gets messy when the unit owner quote ignores the association master policy. We review what the master policy appears to cover, what you own inside the unit, and whether flood or loss assessment needs a closer look.

Condo address, unit floor, square footage, and lender or closing deadline.

HOA master policy details if available, plus deductible or loss assessment notes.

Interior upgrades, personal property estimate, liability preference, and current HO-6 policy.

What our office checks before recommending a quote

Where the master policy likely stops and where the HO-6 should begin.

Whether loss assessment, water backup, hurricane deductible, or flood should be reviewed separately.

Whether the quote needs lender proof, closing timing, or association document coordination.

Check Condo Pricing Association master policy page 1-800-252-6885

What Does HO-6 Insurance Cover?

Condo insurance fills the gaps left by your HOA's master policy.

Interior Dwelling Coverage

Covers improvements and upgrades to your unit's interior — flooring, cabinets, countertops, fixtures, and built-ins. Fills the gap where the HOA master policy stops.

Personal Property

Protects your belongings — furniture, electronics, clothing, appliances, and more — whether they're inside your unit or temporarily elsewhere.

Liability Protection

Covers legal expenses and medical bills if someone is injured in your unit or you accidentally cause damage to someone else's property.

Loss Assessment Coverage

Can help with your share of certain covered association assessments, subject to the HO-6 policy terms, limits, deductible, and master policy details.

Additional Living Expenses

Pays for temporary housing and extra costs if your condo becomes uninhabitable due to a covered loss like fire or hurricane damage.

Hurricane Deductible Buy-Back

Some files need a closer look at hurricane deductibles, loss assessment wording, and whether a separate option is available for the unit owner.

Get Your Free HO-6 Quote Today

We compare available HO-6 options for the unit interior, personal property, liability, loss assessment, and flood questions.

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HOA Master Policy vs. Your HO-6 Policy

HOA Master Policy Covers

Your HO-6 Policy Covers

Building structure & roof

Interior walls, floors, ceilings (as improved)

Common areas (lobby, pool, gym)

Everything inside your unit

Landscaping and parking

Personal property and belongings

Building liability (slip & fall in lobby)

Personal liability (guest injured in your unit)

May have high deductibles and coverage gaps

Fills gaps and covers your personal risk

Florida Condo Insurance Considerations

Florida condos are highly vulnerable to hurricanes and windstorms — HO-6 policies often include wind/hurricane coverage

Flood insurance is NOT included in HO-6 policies. If you're in a flood zone, you need a separate flood policy.

HOA master policies can carry large deductibles or coverage gaps, so loss assessment wording should be reviewed instead of assumed

Many Florida condo buildings have aging infrastructure (roofs, plumbing, electrical). Loss assessment coverage protects you when big repairs are needed.

Some lenders require condo insurance; even when they do not, HO-6 coverage can protect belongings, liability, unit improvements, and loss assessment exposure

Florida HO-6 Condo Insurance FAQs

HO-6 is the insurance industry term for condo insurance. It's designed specifically for condo owners and covers what the HOA master policy doesn't — your unit's interior, personal property, liability, and your share of any loss assessments.

Yes. The HOA master policy covers the building structure and common areas, but it doesn't cover YOUR belongings, interior improvements, or personal liability. It also may not fully cover damage to your unit — leaving you on the hook for the difference. HO-6 insurance fills those gaps.

If the HOA needs to make a major repair after a covered loss and the master policy does not cover the full cost, the association may assess each unit owner for a share. Loss assessment coverage can help with your share so you are not stuck handling a large special assessment alone.

No. Just like homeowners insurance, HO-6 policies don't cover flooding. If your condo is in a flood zone (common in Florida), you need a separate flood insurance policy. We can help you get one.

Related Coverage

Protect Your Condo Unit Today

Get an HO-6 quote review for your unit, master policy questions, flood gaps, and loss assessment exposure.

Check Prices Online or call 1-800-252-6885