Insurance for Condos

In most cases, the building’s structure and common areas are protected under a policy known as a Master Condominium Policy held by the condo association.

What are you responsible for?

As a condo owner, you are typically responsible for all interior construction and fixtures within your unit. This includes flooring, drywall, cabinetry, and more.


Dwelling and personal property protection

This is the coverage that will protect the inside of your condo as well as its contents.

Family Liability Protection

This coverage provides legal representation and insurance against judgments. Our recommendation is no less than $300,000 in coverage for liability

Additional Living Expenses

If you do have a loss at your condo, this protection can cover expenses during the period of reconstruction.

Guest Medical Coverage

This coverage can reimburse medical expenses incurred by guests who have had an accident on your property.

Loss Assessment

In a condominium, sometimes the association requires an assessment on all unit owners for certain covered losses. This coverage will pay your share up to your policy limit.

Condo Insurance Law

Florida House Bill 601, applies to all condominium policies issued or renewed after January 1, 2009. If you do NOT have condo insurance, take note! Your condo association has the ability to “force place” insurance, if not obtained on your own.

Condominium Association Treated as Named Insured/Loss Payee

In accordance with the new law, your condominium association will be treated as a named insured and loss payee for covered reconstruction costs related to any condominium property that the unit owner is required to insure. This change does not increase your policy’s coverage. It simply means that the condominium association will be named, in addition to you, on any loss payments made under Building Property Protection, of your policy. This change does not provide the condominium association with the right to cancel your policy. They are listed as an Interested Party on your insurance in order to coordinate coverage in the event of a loss in which both parties are responsible.

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