Personalized HO6 Condo Insurance for Florida

What is HO6 Condo Insurance?

HO6 is a "walls-in" insurance policy built specifically for condo owners. While your condo association's master policy covers the building exterior and common areas, HO6 covers everything inside your unit: interior walls, flooring, cabinets, fixtures, personal belongings, and personal liability. It also includes Loss Assessment coverage, which protects you if your HOA's master policy falls short after a major event and unit owners are assessed for the difference.

In Florida, understanding your hurricane deductible is especially important. Unlike your standard deductible, the hurricane deductible is calculated as a percentage of your dwelling coverage and only applies to named storm damage. We compare quotes from multiple carriers so you can see exactly how each one handles hurricane deductibles, coverage limits, and premium costs side by side.