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 doesn't.

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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

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

One of the most important parts of condo insurance. Pays your share if the HOA levies a special assessment for damage to common areas not fully covered by the master policy.

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

Reduces or eliminates the high hurricane deductible that may apply under the HOA's master policy. Critical protection for Florida condo owners.

Get Your Free HO-6 Quote Today

We shop multiple carriers to find you the best rate on condo insurance. Most policies are surprisingly affordable — often less than $300/year.

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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 may have deductibles of $10,000-$100,000+ per unit — your HO-6 policy can cover your share

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 if yours doesn't, it's one of the most affordable ways to protect your investment

Frequently Asked Questions

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 (like replacing the roof or fixing hurricane damage) and the master policy doesn't cover the full cost, the HOA will assess each unit owner for their share. Loss assessment coverage pays your share so you're not stuck with a $10,000+ surprise bill.

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.