Get Your Free Miami Beach Condo Insurance Quote
Miami Beach buildings must now meet milestone structural inspection and reserve-funding rules. That has driven assessments higher across South Beach, Mid-Beach, and North Beach, which is exactly why we size your loss-assessment limit carefully.
A barrier-island unit needs flood considered alongside the HO-6, especially at lower floors. We coordinate your unit policy with the master policy and add flood coverage where the building's elevation calls for it.
We serve clients throughout Miami Beach and Miami-Dade County, from South Beach to North Beach.
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.