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An inland country-club unit and an oceanfront unit are not the same risk. Coastal buildings need flood and closer wind attention; inland units lean more on interior value and loss assessment. We tailor the HO-6 to your building type.
Florida's reserve-funding rules have raised special assessments across Palm Beach County associations. We set a loss-assessment limit that reflects your specific community rather than a generic default.
What Does Condo Insurance (HO-6) Cover?
- Interior Structure — Covers walls, floors, ceilings, and built-in fixtures inside your unit that your condo association's policy doesn't cover.
- Personal Property — Protects your furniture, electronics, clothing, and personal belongings from covered perils.
- Liability Coverage — Covers legal and medical costs if someone is injured inside your condo unit.
- Loss Assessment — Covers your share of special assessments charged by the condo association after a covered loss to common areas.