Compare Florida HO-6 condo policies — protect what your HOA's master policy doesn't.
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Quick note for Florida condo owners
Florida HOA master policies typically cover the building structure exterior, hallways, and common areas — but not your unit's interior, belongings, or personal liability. An HO-6 policy fills that gap, usually for $58–$165/month depending on coastal exposure.
Condo insurance in Florida — formally called HO-6 — is a policy designed for unit owners in condominium developments. It works alongside your HOA's master policy to cover what the master policy doesn't.
Florida has the largest condo market in the US, with massive concentrations in Miami, Fort Lauderdale, Tampa, Orlando, and the Gulf Coast. Most Florida condo HOAs carry 'walls-out' or 'bare walls' master policies — meaning the master policy stops at the unfinished wall studs of your unit.
Your HO-6 policy fills the gap: interior finishes (drywall, flooring, cabinets, countertops, fixtures), personal belongings, personal liability, additional living expenses if your unit becomes uninhabitable, hurricane deductible coverage, and loss assessment coverage if the HOA bills owners for an uncovered loss (especially common after hurricanes).
Covers interior finishes — drywall, flooring, cabinets, built-ins, fixtures. Coverage limit should match the cost to rebuild your unit's interior, typically $40k–$185k depending on unit size and finish quality.
Covers your belongings — furniture, electronics, clothing, jewelry. Typical limits $25k–$95k; can be increased for high-value items.
Covers you if someone is injured in your unit or you accidentally damage another unit (e.g., burst pipe damages downstairs neighbor). Standard $100k–$500k limits.
Covers your share of a special assessment from the HOA after a covered loss exceeds the master policy. Critical in Florida given hurricane and flood risk to common areas — assessments can be $10k–$50k+ per unit after major storms.
Florida-specific. Covers your share of the HOA master policy's hurricane deductible (often passed to unit owners as a special assessment).
Florida condo insurance averages $58–$165/month depending on unit value, ZIP code, and coastal exposure. Coastal Florida (Miami, Fort Lauderdale, Tampa, coastal Gulf) typically runs 25–50% higher than inland Florida due to hurricane exposure.
HO-6 is one of the most affordable home insurance products in Florida — a small premium for meaningful protection that the HOA master policy doesn't provide.
| Scenario | Typical Cost | Notes |
|---|---|---|
| Inland Florida condo, $250k value | $58–$95/mo | Most affordable Florida condo profile. |
| Suburban Florida condo, $400k value | $95–$148/mo | Most common Florida condo profile. |
| Coastal Florida condo, $500k+ value | $148–$245/mo | Hurricane exposure drives premium up significantly. |
| High-rise Miami/FL condo, $800k+ value | $215–$385/mo | High-value units in hurricane-exposed buildings. |
Before choosing your HO-6 limits, request a copy of your HOA's master policy declarations page. Florida HOAs are legally required to provide this on request. The master policy will be one of three types: bare walls (covers building exterior to the studs only), single entity (covers original interior fixtures but not improvements), or all-in (covers original construction including interior fixtures).
Your HO-6 dwelling coverage (Coverage A) should be sized to fill whatever gap the master policy leaves. For bare walls master policies common in older Florida buildings, this usually means $60k–$185k of dwelling coverage. For all-in master policies, $30k–$95k is often sufficient.
Pay special attention to the master policy's hurricane deductible. Florida HOA hurricane deductibles can be 5% or even 10% of the building value — and that deductible is typically passed through to unit owners as a special assessment after hurricane damage. Hurricane Ian generated condo loss assessments of $25k–$75k per unit in many South Florida buildings. Loss assessment coverage of $50k+ is essential, not optional, in Florida.
Single largest discount available — most carriers offer 10–20% off both policies for bundling.
If your condo building has wind mitigation features (impact windows, hurricane shutters, fortified roof), unit owners may qualify for HO-6 discounts.
Smart-home alarm, monitored fire/smoke detectors, and water-leak sensors all unlock standalone discounts.
Paying the full annual premium upfront often saves 8–12% versus monthly billing.
HOA master policies never cover your unit's interior, belongings, or personal liability. HO-6 is essential for any unit owner — and at $58–$165/month, it's a small premium for substantial protection.
Florida flood risk applies even to high-rise buildings if you're on the ground floor. NFIP or private flood at $40–$95/month is meaningful protection for ground-level units.
Match dwelling coverage to the actual gap left by your HOA master policy. Overinsuring is wasted premium.
Illustrative cases based on common situations. Names and details changed for privacy.
Yolanda, 39, Miami Beach condo owner
Owned a $625k condo. HOA master policy was bare walls with 5% hurricane deductible. Bought HO-6 with $115k dwelling coverage, $75k loss assessment, and hurricane deductible coverage for $215/month. After Hurricane Irma, HOA assessed $35k per unit — fully covered by loss assessment.
Andre, 45, Orlando condo owner
Owned a $325k inland condo. Initial quote was $148/month from a national carrier. Compared 4 carriers and switched to a Florida specialist — $95/month for the same coverage.
Strong condo expertise in Florida, large agent network, and reliable claims handling on hurricane-related condo claims.
Florida-domiciled with deep coastal expertise — often more competitive than national carriers in hurricane-exposed buildings.
Premium carrier specializing in high-value Florida condos ($1M+) with broader coverage limits and concierge claims service.
HOA master policies never cover your unit's interior, belongings, or personal liability. Skipping HO-6 leaves you exposed to substantial risk for the savings of $58–$165/month.
Florida hurricane assessments can exceed $50k per unit. Standard $1k–$5k loss assessment limits are dangerously low for Florida — most condo owners should carry $50k+.
Coverage above the actual gap left by your master policy is wasted premium. Read the master policy first and size your HO-6 accordingly.
Single largest discount for condo owners — typically 10–20% off both policies.
Don't pay for coverage that overlaps your HOA master policy. Read the master policy first.
Burst pipes are the #1 cause of Florida condo claims. Smart sensors prevent claims and unlock 5–10% discounts.
Get condo insurance options in Florida starting from $58/mo.
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