Florida Townhouse & Townhome Insurance

Townhomes in Florida sit between single-family and condominium structurally and legally, and the coverage form depends on the HOA's master deed. Some Florida townhome associations carry an "all-in" master that covers everything from the studs out (in which case the unit owner buys an HO-6); others carry a "bare walls" master that puts the unit-improvement and dwelling responsibility back on the owner (in which case the right form is an HO-3, like a single-family). Florida First Insurance of Broward reads the master deed before binding.

The recurring claim drivers in townhome accounts are water damage from adjacent units (slab leaks, kitchen supply line failures, HVAC condensate overflow), shared-wall fire spread (often subrogated between unit owners' carriers and the master), and loss-assessment exposure from large master-policy deductibles that get spread to unit owners post-event. Loss-assessment limits and water-damage sublimits are the two places we focus at placement.

Townhome unit policies bind across Miami-Dade, Broward, and Palm Beach down south; Collier and Lee in the southwest; Sarasota, Manatee, Hillsborough, Pinellas, and Pasco through Tampa Bay; Polk, Orange, and Seminole on the I-4 corridor; Brevard and Volusia on the Atlantic; Alachua, Marion, and Duval through North Florida; and Leon and Escambia in the Panhandle.

Townhome insurance is open to owners in Miami, Fort Lauderdale, West Palm Beach, Boca Raton, Fort Pierce, Port St. Lucie, Palm Bay, Melbourne, Titusville, Daytona Beach, Jacksonville, Gainesville, Ocala, Orlando, Lakeland, Winter Haven, Tampa, St. Petersburg, Clearwater, Sarasota, Bradenton, Fort Myers, Cape Coral, Punta Gorda, Naples, Pensacola, Fort Walton Beach, Panama City, and Tallahassee.