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CONDOMINIUM INSURANCE
If you own a condo in Florida, you will want to insure it with a Condo Insurance policy (HO-6). Typically, condominium associations only insure the building’s structure and common areas, leaving the interior construction up to you. Which means, if something were to happen to your condo, it may be up to you to replace things like the drywall, flooring, cabinets, light fixtures, and more.
Call Wayne Lucas Insurance today to protect your condo with the best insurance policy. We represent all the top rated carriers in Florida. We are experts in getting you the best coverages at the best price without cutting coverages.
We can get you a personalized Condo Insurance quote today. Let us work for you!
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INSURANCE TODAY!
John Galt Insurance is a Florida Independent Insurance Agency, which means you have the power to choose! Most importantly, you get the benefits from making smarter choices when it comes to the coverages you need to fully protect your most valuable items. That’s why we are the perfect match for you. Whether it’s comparing insurance plans continually, finding you the best rates or guiding you through the process if you so happen to need to file a claim, we always have you covered! After all, we work for you and not the insurance carriers.
With our network of top rated Insurance Carriers in Florida and our knowledge and expertise in Florida Condo Insurance, you can rest assured we can take care of all your insurance needs.
COVERAGES
Your condo association has a “master” insurance policy to cover your building’s exterior from damage and accidents in common areas. But that policy only covers the exterior part of your condo and doesn’t cover anything inside your unit. You’ll need condo insurance for that.
A Florida condo insurance covers your home from the walls in. This includes:
Condo Insurance can help you pay to repair or replace damaged ceilings, floors, additions, and more.
Condo Insurance protects your furniture, appliances, clothing, electronics, decor, furnishings, and more.
If a covered claim forces you to temporarily relocate, Condo Insurance can help pay for hotel stays, dining out, and more.
If someone is hurt in your home and they sue, your condo insurance policy can help cover legal expenses.
Condo Insurance can help cover immediate medical expenses for guests who have a small injury in your home.
A typical condo insurance policy covers losses that arise from:
Fire damage
Smoke damage
Wind or hail damage
Vandalism
Theft
Condo Insurance covers damage from incidents except this explicitly excluded in your insurance policy. In the chance your condo is damaged by fire, theft, vandalism, storm winds or hair, you’re most likely covered.
Typically, standard condo insurance policies do not cover from:
Earthquakes and mudslides
Flood damage (You can always add on coverage for flood)
Demolition or seizure by the government
You can read more about Condo Insurance Exclusions in the FAQ section below.
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The following are some of the condo insurance exclusions in Florida:
Always keep in mind, you can always add endorsements to your basic condo insurance policy to cover some of the exclusions. If your insurer doesn’t offer the endorsements you need, It’s recommended to purchase stand-alone insurance policies to protect your condo. For instance, you can purchase a stand-alone flood insurance policy to protect your condo adequately against the risk of weather-related flooding.
What is NOT covered on your condo policy?
While Condo insurance is not required by Florida law, it may be required by your condo association or your mortgage provider. Even if you’re not required, condo insurance is always recommended as it is an affordable and effective way to cover your home and belongings.
Florida condo insurance policies include $2,000 in loss assessment coverage. This can help pay for your HOA’s assessments for shared losses. This coverage can step in when those losses are caused by incidents your condo policy covers. It also can potentially help you save thousands of dollars that would otherwise come out of your pocket! You can always add on more loss assessment protection.
The amount of coverage varies because everyones situation is different. There’s no “right” answer – your coverage needs vary based on your lifestyle and the kind of belongings you possess. Our knowledgable agents can help you figure out how much condo insurance makes sense for your needs.
For example, for a person with a condo full of antiques and high-value art, it makes sense for them to have more personal property coverage than the general guidelines tend to recommend.
Here is a list of common factors that impact condo insurance rates include:
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