HO6 Condo Insurance in Naples, Florida
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Get My Naples QuotesCondo Insurance for Naples Owners
Naples and Collier County are home to some of Florida's most desirable condo communities, from luxury Gulf-front towers to golf course condos in communities like Pelican Bay, Park Shore, and Bonita Springs. With property values often exceeding K, having adequate HO6 coverage is essential to protect your investment.
Why Naples Condo Owners Need HO6 Coverage
Hurricane Ian in 2022 demonstrated the devastating impact storms can have on Southwest Florida condos. Many unit owners learned the hard way that their HOA's master policy didn't cover interior damage, personal property, or the special assessments that followed. HO6 coverage fills these gaps.
Post-Hurricane Ian, the Naples insurance market has been challenging. Several carriers pulled out of Collier County entirely. We maintain relationships with carriers still writing in Southwest Florida and can often find coverage where others can't.
What Does HO6 Insurance Cover?
Interior Structure
Walls, flooring, cabinets, countertops, built-in appliances, fixtures, and all interior finishes inside your unit. This is the "walls-in" coverage that picks up where your condo association's master policy stops.
Personal Property
Furniture, electronics, clothing, jewelry, and other belongings. Replacement cost coverage pays to replace items at today's prices, not depreciated value.
Personal Liability
Protects you if someone is injured in your unit or if you accidentally cause damage to another unit. Covers legal defense costs and settlements up to your policy limit.
Loss Assessment
If your HOA's master policy falls short after a major event and unit owners are assessed for the difference, Loss Assessment coverage helps pay your share.
Additional Living Expenses
If your condo becomes uninhabitable due to a covered loss, ALE covers temporary housing, meals, and other living expenses while repairs are made.
Hurricane Coverage
Florida condo policies include hurricane coverage with a separate hurricane deductible, typically calculated as a percentage (2-5%) of your dwelling coverage. We compare options so you can see exactly how each carrier handles hurricane deductibles.
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