Condo Insurance Designed for Florida Living
Condo insurance protects what your association policy does not.
Condo insurance protects what your association policy does not. While the building itself is typically insured by the HOA, your personal unit, belongings, and liability are your responsibility.
At Survant Insurance Partners, we help condo owners across Florida understand where association coverage ends and personal condo insurance begins, so there are no surprises when it matters most.
Whether you live in a high rise, coastal condo, or townhome style community, we help tailor coverage to your unit, your lifestyle, and Florida specific risks.
What Does Condo Insurance Cover?
Condo insurance, often referred to as an HO-6 policy, focuses on protecting the interior of your unit and your personal exposure.
Common coverages include:
- Building Interior Coverage, protects walls, flooring, cabinets, fixtures, and improvements inside your unit
- Personal Property Coverage, covers furniture, electronics, clothing, and other belongings
- Personal Liability Coverage, helps protect you if someone is injured in your unit
- Loss of Use Coverage, helps with temporary living expenses if your unit becomes uninhabitable
- Loss Assessment Coverage, helps pay your share of HOA related claims or damage assessments
We review your association’s master policy to determine exactly what you need to insure individually.
Florida Condo Insurance Considerations
Florida condo owners face unique risks that vary by building type, location, and association coverage.
We help clients understand factors such as:
- Association master policy coverage limits
- Windstorm and hurricane exposure
- Flood insurance gaps for condo units
- Special assessments after storms
- Insurance requirements for coastal properties
Depending on your location, condo owners may also need separate Flood Insurance to protect personal property and interior areas not covered by the association.
Who We Help
We work with condo owners throughout Florida, including:
- Primary residence condo owners
- Seasonal and vacation property owners
- Investors and rental property owners
- First time condo buyers
- Clients transitioning from homeowners insurance to condo insurance
If you previously owned a home, switching from Homeowners Insurance to condo insurance often requires coverage adjustments we help manage smoothly.
Why Choose Survant Insurance Partners
Condo insurance can be confusing because coverage is split between you and the association.
Clients choose Survant because we:
- Review association documents to identify coverage gaps
- Explain complex policies in plain language
- Compare options across multiple carriers
- Help coordinate condo and flood coverage when needed
As an independent agency based in Miami, we serve condo owners across Florida with ongoing support beyond policy placement.
Frequently Asked Questions About Condo Insurance in Florida
What is the difference between homeowners and condo insurance?
Homeowners insurance covers the structure and contents, while condo insurance focuses on the interior unit and personal exposure.
Do I need condo insurance if my HOA has coverage?
Yes. HOA policies typically cover the building structure, not your interior unit or personal belongings.
Does condo insurance cover flood damage?
Flood damage is not covered by standard condo policies and may require separate Flood Insurance.
What is loss assessment coverage?
Loss assessment coverage helps pay your share of association costs after covered losses.
Get a Condo Insurance Quote in Florida
If you own a condo in Florida and want clarity on your coverage responsibilities, we can help.
Survant Insurance Partners works with condo owners across Florida to secure insurance that fits both association requirements and personal needs.
Contact us today to request a quote or review your existing policy.
Some of our Partners
