Condominium Insurance
Florida condo insurance, also known as an HO6.
While your condo association likely carries a policy covering the building structure and common areas, as a unit owner you want to ensure your own property and possessions are adequately covered — from your appliances to your personal belongings to the upgrades you've added.
The Insurance Ladies partners with many carriers that write Florida condo insurance. Contact us today to find out how we can help.
Coverages
Guest Medical Coverage
If a guest is injured at your condominium.
Personal Property
Belongings such as electronics, appliances, furniture, and clothing.
Liability
If someone is injured while visiting and you are at fault, liability helps pay the cost of litigation.
Property
From the front door inward — helps pay for repairs to your unit's walls and interior, including built-in bookcases and fixtures, if damaged by a covered peril.
Two important terms to understand
Actual Cash Value
Pays you for the depreciated value of your damaged belongings.
Replacement Cost Coverage
Does not factor in depreciation — helps reimburse the difference between actual cash value and what you paid to repair or replace your belongings.
Frequently asked questions
What is HO6 condo insurance?+
HO6 is Florida condo insurance for unit owners. It covers your belongings, interior, and liability — beyond what your association's master policy covers.
What is the difference between actual cash value and replacement cost?+
Actual cash value pays the depreciated value of your belongings; replacement cost reimburses what you paid to repair or replace them, without depreciation.
Doesn't my condo association's policy cover everything?+
No — the association's master policy covers the building and common areas, but not your personal property, interior finishes, or personal liability.
Ready to get protected?
Let's talk about your coverage needs. We shop the market for the best policy at the best price.