What is a condo association master policy?

The condo association master policy covers the building exterior, common areas, and (depending on the association's bylaws) some level of the building structure inside individual units. Master policies come in three main forms: bare walls (covers only structure to the studs), single entity (covers the original interior fixtures), and all-in/all-inclusive (covers betterments and improvements). Unit owners pair this with their own HO-6 policy.

What is habitational insurance?

Habitational insurance is commercial property and liability insurance for apartment buildings, multi-family rentals, condo associations, HOAs, and similar residential-use properties operated as commercial real estate. It differs from owner-occupied homeowners coverage and from typical commercial property because of the residential occupancy exposures: tenant-caused damage, premises liability with residents and guests, fair housing claims, and habitability issues.

How do I quote Florida HOA or habitational insurance?

Call 941-952-7991. Have your property type (HOA, condo association, apartment building), unit count, building details (year built, construction, sprinkler status, roof age), current declarations page, and loss history ready. Florida habitational underwriting is tight; preparation matters.

HOA & Habitational. Commercial Property

Florida HOA and habitational,
for the multi-family market.

HOA insurance, condo association master policies, and habitational property insurance for Florida apartments and multi-family residential properties. The Gulf Coast (Sarasota, Bradenton, Tampa, Clearwater, Venice) is dense with HOAs, condo associations, and rental apartment buildings. Each needs commercial-form coverage tuned to residential-occupancy exposures. Hendrickson Insurance writes these through specialty habitational markets and admitted Florida carriers.

Call 941-952-7991 Schedule a Call

Property Types

Which structure are we covering?

Condo Association Master

Florida condo association master policies covering building exterior, common areas, and (per bylaws) some level of unit interior. Coordinated with individual unit owner HO-6 policies.

HOA Master Policy

Homeowners association coverage for common amenities (pool, clubhouse, gates, landscaping), HOA liability, and HOA D&O for board members. Critical for any Florida HOA.

Apartment Buildings

Multi-family rental property insurance: building, contents, liability, loss of rents. Florida apartment underwriting is challenging given hurricane exposure and roof age sensitivity.

Multi-Family Investment

Duplexes, fourplexes, and small multi-family properties owned as investments. Coverage similar to apartment but with different underwriting class.

Townhome & Villa Associations

Townhome and villa community associations with shared structural elements and common areas. Coordinated coverage between association master and individual owner policies.

Mixed-Use Residential

Properties with ground-floor commercial plus residential above. Coordinated commercial + habitational coverage on a single building.

Coming Soon

HOA and condo association deep content coming soon.

Expanded content covering Florida statute 718 condominium law requirements, master policy form selection (bare walls vs all-in), board D&O requirements, fidelity bond requirements for HOA boards, and Florida-specific habitational underwriting (roof age, sprinkler systems, wind mitigation) is coming. In the meantime, call 941-952-7991 for a quote.

Florida HOA and habitational,for the multi-family market.

Which structure are we covering?

HOA and condo association deep content coming soon.

You may also need.

Florida HOA and habitational,
for the multi-family market.