Condo insurance in Florida
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What does condo insurance cover in Florida?
Rest easy knowing your coverage protects what matters most.
Dwelling coverage
for the actual structure of your home, inside and out.
Personal property
for your personal belongings that make your house a home.
Loss of use
for additional living expenses when a covered loss forces you to temporarily relocate.
Personal liability
if you accidentally cause someone bodily injury or property damage.
Medical payments
if a guest is injured on your property.
Why you'll love Kin
From small claims to disasters, we're here to help you recover quickly.
Here to help
We reach out before and after major weather events to make sure you’re okay — and to assist if you need to file a claim.
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Easily file a claim over the phone with a member of our support team or online in your Customer Portal.
5-star care
Our licensed insurance experts are available to help via email, phone, or live chat.
Common questions about Florida condo insurance
What’s the average cost of condo insurance in Florida?
The average annual cost of condo insurance in the U.S. is $531 per year, according to the National Association of Insurance Commissioners (NAIC), but Florida condos are likely to be more expensive than average due to the natural disaster risks Floridians face. However, your cost will depend on factors like how much coverage you need and where your condo is located.
What does Florida condo insurance not cover?
Standard HO6 insurance in Florida does not cover damage from:
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Earthquakes and mudslides
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Flood damage (although you can always add flood coverage)
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Demolition or seizure by the government
Is loss assessment coverage included in Florida condo insurance?
Yes, coverage for loss assessment comes standard in most condo policies. It can help pay assessments for shared losses when those losses are caused by incidents your condo policy covers.
How much Florida condo insurance do I need?
How much you need will depend on your situation. If you keep high-value belongings in your condo, you may need more personal property coverage than someone without those things. It’s also important to know that your condo’s homeowner association may have specific Florida insurance requirements — so be sure to check your bylaws before you purchase a policy.
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