Florida condo insurance (also called HO6 or condominium insurance) is a necessary safeguard for the contents in your home. It picks up where your HOA policy leaves off to protect your walls, furnishings, belongings, liability, and more.
If you own a condo in Florida, you need condo insurance (HO6 insurance) to fill the gaps the homeowners association policy won’t cover. Good news for condo owners in the Sunshine State: it’s super easy to get condo insurance from Kin. We cover all types of condos – even those you own and rent out on home-share sites like Airbnb.
We cover condo owners of all walks, including those who:
Because condo insurance doesn’t have to cover the entire structure of your place, it’s surprisingly affordable. Our coverage starts as low as $443 a year for some Florida counties.
To help you save even more on your condo insurance in Florida, we’ll check to see if you qualify for discounts for:
We can also recommend the deductibles that make sense for your budget. Typically, choosing slightly higher deductibles can reduce your condo insurance premium.
Your homeowners association has a “master” insurance policy to cover your building’s exterior and damage and accidents in common areas. But that policy doesn’t cover anything inside your unit. You need condo insurance for that.
Condo insurance covers your home from the walls in. That includes:
Our Florida condo insurance covers damage from all incidents except those explicitly excluded in your policy. So if the inside of your condo is damaged by fire, theft, vandalism, storm winds, or hail, you’re typically covered.
Standard policies usually don’t cover damage from:
All our 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 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, too.
We can help you figure out how much condo insurance makes sense for your needs. There’s no “right” answer here – your coverage needs vary based on your lifestyle and the kind of belongings you have.
For example, if you have a condo full of antiques and high-value art, it might make sense for you to have more personal property coverage than general guidelines tend to recommend.
That said, the chart below illustrates some general suggestions for choosing your coverage limits.
| Type of Coverage | Typical Limits |
|---|---|
| Dwelling | Up to the replacement cost of the interior (we calculate this for you) |
| Personal property | 20% to 50% of the coverage you have for your dwelling |
| Loss of use | 20% of the coverage you have for your dwelling |
| Personal liability | $100,000 |
| Medical payments | $1,000 |
Our tech makes it easy to get fast condo insurance quotes. Just type in your address, confirm a few details, and you’ll get a customized quote in minutes.
In some cases, we may need a few additional documents to create your quote:
Don’t pay more for condo insurance in Florida. Get a quick quote and peace of mind today.
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