Condo insurance in Delray Beach

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Delray Beach, or the “Village by the Sea” as it's affectionately known, seems like paradise. Surrounded by sandy beaches and sparkling blue waters, the town also sports friendly bars, boutique hotels, and fabulous restaurants. Add in the tropical climate and it’s little wonder over   66,000 people have decided to make Delray Beach their home.

But the location that makes the area so attractive also brings some risk. Delray Beach is often a target of seasonal storms that can deliver wind, rain, and flooding, and that makes Florida HO6 insurance – aka condo insurance – an absolute must.

Let’s take a closer look at how much condo insurance costs and the potential discounts available for condo owners in Delray Beach.

What condo insurance costs in Delray Beach

Homeowners insurance in Florida is pricey, and unfortunately, the same is true for condo insurance. The average condo owner pays $996 per year for their coverage. That makes it the most expensive state to get condo insurance.

Chances are Delray Beach condo owners pay about the average for their HO6 policies. The town has experienced several hurricanes and tropical storms over the years.

But location isn’t the only factor that contributes to your condo insurance premium. Insurers might also look at:

  • The age of your building and unit.

  • Your claims history.

  • The number of stories in your building.

  • The value of your personal property.

By analyzing the unique features of your condo and other important insurance data, we can set premiums that more accurately represent our members’ risks. This usually translates into lower premiums. Condo owners report an average savings of over $400 per year when they switch to Kin.*

The best way to know what you might pay for your condo insurance in Delray Beach is to enter your address for a quote. Getting one is fast, easy, and free. 

Additional condo coverage for Delray Beach condo owners

Delray Beach may enjoy great weather most of the year, but that doesn't mean the area is free from storms and other risks. Condo owners in Delray Beach should check their HO6 policies to make sure they’re covered for hurricanes, floods, and sinkholes.

Delray Beach hurricane coverage

Delray Beach is a common target for Atlantic hurricanes, experiencing a direct hit approximately once every five years. Residents know that the heavy rains and high winds often can result in expensive damages to their homes. Without hurricane insurance, condo unit owners are left footing the expense on their own. 

Luckily, most condo policies include hurricane insurance to help pay for the damage caused by hurricane-force winds.

Delray Beach sinkhole coverage

Sinkholes, like the one that swallowed a car in July 2022, aren’t unheard of in Delray Beach.  Our HO6 insurance includes catastrophic ground cover collapse coverage, but you can also opt for sinkhole insurance if you want protection for additional kinds of sinkhole loss.

City guides for Florida HO6 policies

Tips for keeping Delray Beach condo insurance affordable

Looking to spend less on insurance? One of the best ways to do that is to protect against risk. That way, you have fewer claims, which helps keep your premiums down over the long haul. Even better, we reward your actions with premium discounts for:

  • Mitigating your wind risk.

  • Installing a fire protection system.

  • Opting for an electronic policy.

Check out how our condo insurance protects you at an affordable price. Get a quote today.


*Customers who switched to Kin report annual savings of $437 on average on their condo insurance. Based on Kin Customer Savings Survey conducted from January 2023 through January 2024. Potential savings may vary.

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