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.
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
Quote the HO-6 around the master policy, unit upgrades, and loss assessment exposure
Your condo policy should work with the association master policy. We compare what the association covers, what you own inside the unit, and your flood and loss assessment options before you choose.
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.
How we compare coverage and prices
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.
What Does HO-6 Insurance Cover?
Compare coverage for your belongings, unit improvements, personal liability, additional living expenses, and eligible loss assessments.
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
We compare hurricane deductibles, loss assessment coverage, and the options available for your unit.
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.
Check Prices →HOA Master Policy vs. Your HO-6 Policy
Florida Condo Insurance Considerations
Florida HO-6 Condo Insurance FAQs
Related Coverage
Protect Your Condo Unit Today
Get an HO-6 quote for your unit, master policy questions, flood gaps, and loss assessment exposure.