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Elevation drives the flood piece. A lower-floor oceanfront unit and a high floor price very differently, so we review the building's flood zone before recommending NFIP or private coverage.
Post-Surfside reserve and inspection rules have pushed island associations to fund larger reserves, and special assessments have followed. We set your loss-assessment limit to match that reality rather than a default figure.
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.