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’re a homeowner living in 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 kinds, including those who:
Because condo insurance for Florida homeowners doesn’t have to cover the entire structure of your place, it’s surprisingly affordable.
To help you save even more on your condo insurance in Florida, we’ll check to see if you qualify for discounts. For example, we can offer discounts for:
We can also recommend the deductibles that make sense for your budget. Typically, choosing slightly higher deductibles can reduce your condo insurance in Florida costs.
Your homeowners association has a “master” insurance policy (sometimes called HOA insurance) 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 Florida HO6 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 HO6 insurance in Florida usually doesn’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, stepping in when those losses are caused by incidents your condo policy covers and potentially saving you 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 Florida condo insurance makes sense for your needs. There’s no “right” answer here – your insurance coverage needs vary based on your lifestyle and the kind of items 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 Florida HO6 insurance coverage limits.
Please note: Your condo’s homeowners association may have specific Florida condo insurance requirements, so be sure to check your bylaws before you buy.
|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|
How much is condo insurance in Florida? It depends on several factors, including how much coverage you need and where your condo is located. But 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 HO6 insurance Florida quote in minutes.
In some cases, we may need a few additional documents to create your free quote, such as:
Don’t pay more for condo insurance in Florida. Get a quick quote and peace of mind today.
Our vision is to empower our customers to buy insurance for their condos in just a few clicks. We’ve used technology to create a direct-to-consumer business model for condo insurance, making it easy to get the coverage you need quickly. Plus, our tech reviews thousands of data points that help us price our policies accurately. We’re proud that our customers save an average of $400 when they switch to us.*
But we’re more than our technology. When you get insurance from Kin, you’re more than a policyholder. You actually own part of the company, so we treat you like family. You can expect some of the best service from insurance professionals who care about you.
Kin is the insurance company that provides coverage for every new normal. Call us today to learn more about our Florida condo insurance rates.
*Customers who switched to Kin report annual savings of $413 on average. Based on Kin Customer Savings Survey conducted October 2021 - September 2022.
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