Broward County Condo Insurance (HO-6 Coverage, Deductibles & Loss Assessment)

Broward County is home to one of the largest concentrations of condominium properties in Florida, stretching from Fort Lauderdale and Hollywood to Pompano Beach and Deerfield Beach. With heavy hurricane exposure, high-rise construction, and large association deductibles, properly structured HO-6 condo insurance is essential to protect your interior finishes, personal property, and your potential responsibility for special assessments. 

Many Broward condo owners assume their association’s master policy fully protects their unit. In reality, significant gaps exist—especially after wind and water losses—leaving owners responsible for interior damage and deductible pass-throughs. 
 
What Broward County Condo Associations Typically Insure 
Under Florida Statute 718.111(11)(f), most Broward condominium associations insure the building to an “original specifications” or “walls-out” standard. This generally includes: 

• Structural components 

• Roof, exterior walls, and concrete framing 

• Drywall (finished wall surface) 

• Common-area plumbing, electrical, and mechanical systems 
  
  

The association policy typically does not cover: 

• Paint, wallpaper, and wall coverings 

• Flooring, baseboards, and trim 

• Cabinets, countertops, and built-ins 

• Interior fixtures and appliances 

• Personal property 

• Unit upgrades and renovations 

• Loss assessment charges 
  
  

Although the drywall itself is insured by the association, the finish surfaces applied to that drywall are the unit owner’s responsibility and must be insured under an HO-6 policy. 
 
What a Broward HO-6 Policy Should Cover 
Because the master policy stops at unfinished drywall, a properly designed Broward County condo insurance policy should include: 

Interior Finish Coverage (Coverage A) 

• Paint and wallpaper 

• Flooring and millwork 

• Cabinets and countertops 

• Interior electrical and plumbing fixtures 

• Renovations and upgrades 
  
  

Personal Property 

• Furniture, electronics, clothing, and contents 
  
  

Loss Assessment Coverage (Current Market Reality) 

• Most Florida carriers currently limit loss assessment coverage to approximately $2,000 

• This applies to: 

• Hurricane and wind deductibles 

• Uninsured common-area damage 

• Master policy shortfalls 
  
  

These limits are often far below actual deductible exposure following a major South Florida storm. 
 
Broward County Wind & Hurricane Deductibles – Real Exposure Example 
Many Broward condominium associations carry wind deductibles equal to 5%–10% of the building’s insured value. 

Example: 

• Building insured for: $50,000,000 

• 5% wind deductible: $2,500,000 

• If allocated across 250 units: $10,000 per unit 

With typical HO-6 loss assessment limits of only $2,000, a Broward condo owner could face $8,000+ in out-of-pocket exposure after a hurricane loss. 
 
Common Condo Claims in Broward County 
Broward HO-6 claims most often result from: 

• Wind-driven rain intrusion 

• Hurricane roof and facade failures 

• Plumbing stack and HVAC line leaks 

• Water backup in multi-story buildings 

• Post-storm special assessments 

• Window and balcony water penetration 
  
  

These losses frequently involve both interior repairs and association deductible pass-throughs. 
 
Why Broward Condo Owners Choose Universal Condo 

• 15+ years specializing exclusively in Florida condominiums 

• Multiple A-rated HO-6 carriers 

• Expertise in hurricane deductibles and master policy gaps 

• Clear guidance on statutory coverage responsibilities 

• Claims support when assessments and deductibles arise 
  
  

We structure true Florida-compliant HO-6 coverage for coastal and high-rise risk throughout Broward County. 
 
Get a Broward County Condo Insurance Quote 
Protect your interior finishes, your upgrades, and your exposure to hurricane assessments with a properly structured HO-6 policy. 

Get your Broward condo insurance quote today: 
👉 Get your Florida HO-6 quote now