Frequently Asked Questions

HO6 insurance, also known as condo insurance or walls-in coverage, is a policy designed specifically for condominium owners. It covers the interior of your unit (walls, floors, ceilings, fixtures), your personal belongings, and provides personal liability protection. It's called HO6 because it's the sixth type of homeowners policy defined by the Insurance Services Office (ISO).

Your condo association's master policy typically covers the building's exterior, common areas, and structural elements. Your HO6 policy covers everything inside your unit from the studs or drywall in, including: interior walls and built-in fixtures, flooring and ceiling finishes, cabinets and countertops, appliances, personal belongings (furniture, electronics, clothing), and liability if someone is injured in your unit. It's important to review your association's master policy to understand exactly where their coverage ends and yours begins.

Your dwelling coverage should be enough to rebuild the interior of your unit from scratch, including walls, flooring, cabinets, fixtures, and any upgrades you've made. A good rule of thumb is $50-$100 per square foot, but this varies based on your unit's finishes. If you've done significant upgrades (granite countertops, hardwood floors, custom cabinets), you'll need higher coverage. Your agent can help you determine the right amount based on your specific unit.

Once you submit your information, your dedicated agent typically prepares personalized quotes within 1-2 business days. For straightforward quotes with complete information, you may receive options the same day. If additional details are needed (like inspection reports), it may take slightly longer. We'll keep you updated throughout the process.

We work with 10+ A-rated insurance carriers licensed in Florida, including both national and regional companies that specialize in Florida property insurance. This allows us to shop your coverage across multiple carriers to find you the best combination of coverage and price. All our carriers are financially stable and approved by the Florida Office of Insurance Regulation.

In Florida, most carriers require a 4-Point Inspection for homes over 30-40 years old. This inspection evaluates your roof, electrical, plumbing, and HVAC systems. A Wind Mitigation Inspection is optional but highly recommended - it documents hurricane-resistant features of your building and can result in significant premium discounts (often 20-45%). If your building has hurricane shutters, impact windows, or a newer roof, a wind mitigation report can save you money.

If you need to file a claim, contact your insurance carrier directly using the claims phone number on your policy documents. You should also notify us at Strassman Insurance Associates so we can assist you through the process. Document the damage with photos and videos, and don't make permanent repairs until the adjuster has inspected the damage (temporary protective measures are fine). We're here to advocate for you and help ensure your claim is handled fairly.

Yes! Many carriers offer multi-policy discounts when you bundle your condo insurance with auto, umbrella, or other policies. This can result in savings of 5-15% or more on your premiums. Ask your agent about bundling options when reviewing your quotes - we can help you compare total costs across carriers for all your insurance needs.

Just your condo's address, your name, email, phone number, and date of birth. The whole process takes about two minutes. You don't need your current policy, inspections, or any documents to get started.

Our quoting service is completely free. We're an independent insurance agency — we're compensated by the carrier when you choose a policy, not by charging you.

Loss Assessment coverage protects you when your HOA's master policy isn't enough to cover damage to shared areas (like a roof, pool, or hallway). Your HOA may assess each unit owner for the shortfall — Loss Assessment coverage can help pay your share. Most Florida condo owners benefit from carrying it.

AOP (All Other Perils) is your standard deductible that applies to most covered events. A hurricane deductible is separate and typically calculated as a percentage of your Coverage A amount — it only applies to losses from named tropical storms. Both are shown clearly in your quotes so you can compare them across carriers.

Yes. We quote rental condos, secondary residences, seasonal properties, and vacant units in addition to primary residences. Just select the occupancy type when you fill out the form and we'll make sure your quotes match your situation.

Coverage can typically begin as soon as the same day, depending on the carrier and underwriting requirements. Your agent will confirm the earliest available effective date when they present your quotes.