Florida condo & renters insurance,
shopped properly.

HO-6 covers your unit interior (walls-in), personal property, personal liability, additional living expenses, and loss assessment coverage for assessments from the condo association master policy. Critical for any Florida condo owner. From Siesta Key high-rises to Sarasota mainland condominiums.

HO-4 covers your personal property, personal liability, and additional living expenses if your rental becomes uninhabitable. Many Florida landlords require it on the lease. Typically $150, $250 per year for solid coverage.

Under Florida Statute 718.111(11), a condo association must insure the building as originally installed, including the structure, roof and common elements. The same statute requires the policy to exclude personal property, floor/wall/ceiling coverings, electrical fixtures, appliances, water heaters, water filters, built-in cabinets and countertops, and window treatments, regardless of which master policy the association carries. Everything on that excluded list is the unit owner's responsibility under HO-6.

Florida Statute 627.714 sets a statutory minimum: every HO-6 policy must include at least $2,000 of loss assessment coverage, with no more than a $250 deductible, and that coverage pays excess over any other policy on the same property. $2,000 is the floor the law requires, not a safe number for a large building. Higher loss assessment limits are available for added premium and worth pricing against your association's own deductible and insured value.

HO-6 wind coverage carries the same percentage hurricane deductible structure as a homeowners policy, not a flat dollar deductible. Flood is excluded from HO-6 the same way it is excluded from HO-3. Unit owners need their own NFIP or private flood policy for personal contents; where an association carries flood coverage, it typically covers common areas only, not individual units.