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Florida ho-6 insurance
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Florida HO6 Insurance

Florida HO6 policy is designed for condo owners in the state of Florida. The Florida HO6 condominium insurance that standard insurance companies such as Safeco, Farmers and Nationwide in cities such as Miami, Orlando, Saint Petersburg or Pensacola, will cover losses to any of your personal items and any structure you own. This policy also covers damages to any fixtures that have been upgraded since the home was purchased. Due to the recent housing crisis, many lenders and mortgage companies in the Orlando and Jacksonville regions are requiring proof of insurance for condos.

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What Does HO6 Insurance Cover in Florida?

A standard condominium insurance policy in Florida whether you live in Miami, Orlando or Tampa will cover most damages to your FL condo and your personal belongings from perils such as burglary, aircrafts damage from falling objects, trucks or vehicles.

What is One Benefit of Having Florida Condo Insurance?

Value added (If you've put in a better quality carpet than was originally there, for example, this coverage would make up the difference in case of loss).

Buying Florida Condo Insurance

Master Policy - Living in Florida as part of an association, the association should have a master insurance policy to see what they cover so that you don't pay for coverage that is already covered.

Deductibles - This is the out of pocket amount that you will need to pay for each claim before the insurance policy kicks in. Additionally, there will be a deductible in the master policy in the event that there is an insurance claim under the master policy. Each member of the condo association will need to contribute their portion if there is some sort of disaster.

HO6 Condo Insurance Required in Most Areas Throughout Florida

Due to the housing crisis, mortgage companies are requiring HO6 insurance policies for any new condo purchases in the state of Florida.

Where is HO6 Condo Insurance in Florida?

The state of Florida now requires condo insurance everywhere you live:
  • Miami, FL
  • Orlando, FL
  • Tampa, FL
  • Jacksonville, FL
  • Fort Lauderdale, FL
  • Pensacola, FL
  • Saint Petersburg, FL
  • West Palm Beach, FL
  • Melbourne, FL
  • Tallahassee, FL
  • Fort Pierce, FL
  • Pompano Beach, FL
  • Gainesville, FL
  • Daytona Beach, FL
  • Naples, FL
  • Boca Raton, FL
  • Fort Myers, FL
  • Sarasota, FL
  • Bradenton, FL
  • Clearwater, FL
  • Hollywood, FL
  • Ocala, FL
  • Panama City, FL
  • Punta Gorda, FL
  • Brooksville, FL