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Read your association's master policy before you buy. Some are all-in and cover fixtures inside the unit; others are bare walls and leave cabinets, flooring, and built-ins to you. Your HO-6 limit should fill the exact gap your association leaves.
Loss assessment is the coverage Miami owners overlook most. If the building is hit with a large repair or insurance shortfall, your association can bill each owner a share. Adequate loss-assessment coverage on your HO-6 absorbs that bill instead of your savings.
We serve clients throughout Miami and Miami-Dade County, from Brickell to Coral Gables.
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.