what we do
Florida Condo Insurance (HO-6) Explained
What Your HOA Covers — and What It Doesn’t
Many condo owners assume their HOA fees cover everything. In reality, the condo association’s master policy typically insures common areas and parts of the building structure — not the inside of your unit or your personal belongings. As a unit owner, you’re usually responsible for everything from the drywall in. That’s where Florida condo insurance, also called an HO-6 policy, comes in. We help you understand the gaps and secure coverage that fits your unit and HOA requirements.
What Does Condo Insurance Cover?
Interior Dwelling Coverage (Walls-In)
Covers the interior of your unit, including flooring, cabinetry, built-ins, fixtures, and upgrades — items typically excluded from the HOA master policy.
Personal Property Coverage
Protects your furniture, electronics, clothing, and personal belongings against covered losses like fire or theft.
Liability Protection
Helps cover legal and medical expenses if someone is injured in your unit or if you accidentally cause damage to another unit, such as a water leak.
Loss Assessment Coverage
An important feature for condo owners. Helps pay your share if the association assesses owners for a large deductible or uncovered loss after a common-area claim.
Loss of Use Coverage
Pays for temporary housing and living expenses if your condo becomes uninhabitable due to a covered loss.
Condo Insurance Tailored to Florida Living
Florida condos come with unique considerations — coastal exposure, hurricane risk, and HOA insurance requirements that vary by community. We review your association’s master policy to make sure your HO-6 coverage complements it properly. Features like impact windows or hurricane shutters may qualify for wind mitigation credits, which can help reduce premiums. For coastal and waterfront condos near Jupiter and Palm Beach County, we’ll also discuss whether separate flood coverage for contents and interior finishes makes sense for your situation.
Our Process
1
Review your HOA master policy and bylaws
2
Identify interior and personal property coverage needs
3
Include loss assessment protection when appropriate
4
Compare multiple Florida carriers for the best fit
Condo Insurance
vs. HOA Master Policy
The table below shows how responsibilities are typically divided between a condo association and the unit owner in Florida.
| Coverage Area | HOA Master Policy | Your HO-6 Policy |
|---|---|---|
| Building Exterior & Common Areas | Covered | Not covered |
| Interior Walls & Fixtures | Usually not covered | Covered |
| Personal Belongings | Not covered | Covered |
| Personal Liability | Not covered | Covered |
| Loss Assessment | Not applicable | Covered (optional but recommended) |
Not sure where your responsibility begins? We’ll review it with you.
Common Questions About Florida Condo Insurance
Do I need condo insurance if I pay HOA fees?
Yes. HOA fees cover the association’s policy, not your personal belongings, interior finishes, or liability.
What does condo insurance cover vs. the HOA master policy?
Your HO-6 policy covers everything inside your unit, your belongings, liability, and loss assessments, while the HOA covers common areas.
How much does HO-6 condo insurance cost in Florida?
Costs vary based on unit size, coverage limits, location, and HOA requirements. Many policies are affordable, especially compared to the value they protect.
Does condo insurance cover hurricanes?
Your interior and belongings may be covered for hurricane-related damage depending on the policy. Flood damage requires a separate flood policy.
Can you help review my HOA insurance documents?
Yes. We regularly review master policies and HOA requirements to ensure your condo coverage is properly aligned.
Protect Your Condo with Confidence
Your condo is your home — make sure it’s properly protected. Our Jupiter-based team helps condo owners across Florida & Beyond secure the right HO-6 coverage with clarity and confidence.
1
What we believe
We stand for beauty that feels real and shows real results.
We choose thoughtful over rushed. Intentional over trendy. Real over filtered. We believe in confidence that isn’t loud but is undeniable.
2
What we try to deliver
A skin that feels like home, and in a version of beauty that is deeply yours.
We use organic, dermatologically tested products to deliver impactful treatments that are safe and healthy for your body.
