Same buildings and values
Confirm that every proposal uses the same locations, structures, common property, replacement-cost support, and requested effective date.
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Compare Florida Condo Association Insurance Renewals
Put the building's insurance proposals side by side before the board compares price. Track property values, deductibles, flood, liability, D&O, crime or fidelity, conditions, and the questions that still need written answers.
4.8 Google ratingSee client reviewsBoard comparison rule
Premium is the last clean comparison, not the first.
Same buildings and values
Same requested coverages and dates
Deductibles translated into dollars
Exclusions and conditions in writing
How to compare a condo association renewal
- Confirm that each proposal uses the same buildings, values, requested coverages, and effective dates.
- Compare deductibles, flood, liability, D&O, crime or fidelity, exclusions, and conditions before treating the lowest premium as the best option.
- Use the worksheet to create questions, then review the actual policy forms, endorsements, lender instructions, and association documents with the right professionals.
Reviewed by Joe Greene, Commercial Lines Manager and licensed Florida 2-20 General Lines Agent since 2005.
Verify Florida license P005559Compare what the proposals actually say
A board-ready comparison without a black-box score
The tool does not upload, transmit, or store the information. Print the completed worksheet or save it as a PDF for the board packet.
Board worksheet
Compare up to three association proposals
Enter only what appears in the proposal or has been confirmed in writing. Blank and unclear items become questions for the board's broker or other adviser.
Nothing entered here is sent to Greene or saved by this tool.
Comparison review
Differences and open questions
This worksheet flags differences and missing answers. It does not decide which proposal is best or whether any coverage is adequate.
Start by entering at least one proposal. Add a second or third to expose side-by-side differences.
Before the board votes
Four checks that keep a cheap quote from becoming an expensive surprise
Deductibles in real dollars
Translate all-other-perils, wind, hurricane, named-storm, flood, and per-building wording into the amount the association may need to fund.
Separate policies and layers
Check whether flood or RCBAP, D&O, crime/fidelity, umbrella, equipment breakdown, cyber, or workers compensation is separate, included, pending, or not requested.
Forms, exclusions, and conditions
A proposal can change after inspections, repairs, updated values, signed forms, subjectivities, or final underwriting. Track those items before the vote.
What to send if the association needs quotes
Send what the board already has. Greene can help identify the missing insurance items before the association's renewal becomes a last-minute document chase.
Send the Association PacketCurrent policies, renewal or nonrenewal notice, and proposal forms
Building schedule, statement of values, and current insurance appraisal
Loss runs, open-claim status, roof records, and completed repair documentation
Applicable milestone, structural, reserve, engineering, or inspection records
Flood or RCBAP policies, elevation details if available, and written lender requirements
Declarations, bylaws, insurance-responsibility language, management agreement, and board deadline
Official context
Sources boards can use to separate law, flood, inspections, and lender standards
These sources frame the questions. The association documents, policy forms, written lender instructions, and professional advice control the final answer.
Florida Statute §718.111
Current condominium-association insurance, deductible, appraisal, and fidelity language. Association counsel should interpret the statute.
Florida DBPR inspection and SIRS resources
State guidance on milestone inspections and structural integrity reserve studies, including scope, timing, reporting, and qualified professionals.
FEMA NFIP condo building coverage
Official NFIP material explaining the Residential Condominium Building Association Policy and its coverage framework.
Fannie Mae project master-property guide
Program-specific master-property, replacement-cost, perils, coverage-amount, and deductible standards for applicable Fannie Mae loans.
Board questions
Florida condo association renewal comparison FAQs
Keep building the board renewal packet
Florida Condo Association Insurance
Statewide association insurance guidance for property, wind, flood, D&O, crime or fidelity, liability, inspections, reserves, and board documents.
Condo Master-Policy Document Checklist
Organize the policies, values, loss records, flood documents, inspections, governing documents, and renewal details.
Why Condo Association Premiums Spike
Review what can change the building's insurance renewal and what boards should check before accepting a higher price.
2026 Condo Association Market Outlook
Source-backed board context for Florida property, wind, flood, liability, inspections, reserves, and renewal pressure.
Need help shopping the association's renewal?
Send the current policies, renewal proposal, building values, loss records, inspections, flood documents, and board deadline. We will use the packet to compare insurers, coverage, deductibles, conditions, and pricing.