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Contact a Florida Condo Insurance Specialist

A Simple, Specialist-Led Process for Condo Unit Owners

We make quoting HO-6 insurance straightforward, accurate, and aligned with Florida condominium law and the realities of the current insurance market.

This is not a call-center form and not a generic homeowners quote.
It is a specialist review designed for Florida condo unit owners only.

Step 1: Tell Us About Your Unit

We’ll ask for:

• Condo address and unit number
• Square footage and interior finish level
• Primary, seasonal, or rental use (long-term only)
• Year built and construction type
• Any prior losses
• Your current HO-6 policy (if available)

This allows us to properly size interior reconstruction limits and match the risk to carriers that actively write Florida HO-6.

Step 2: We Structure Coverage Under Florida Statute 718

Your quote is designed around:

• Florida Statute 718.111(11)(f) interior responsibility
• Cabinets, countertops, flooring, fixtures, appliances, and improvements
• Proper personal property and loss of use limits
• Realistic liability limits for multi-unit living
• Market-available loss assessment limits
• Hurricane and wind deductible coordination

We do not guess.
We structure coverage the way Florida law and claims actually work.

Step 3: Carrier Selection and Market Review

We place your risk with:

• Admitted Florida carriers when available
• FHCF-supported markets where appropriate
• Condo-experienced underwriters
• Financially sound, catastrophe-tested insurers

If standard markets are unavailable due to building age, coastal exposure, or occupancy restrictions, we explain specialty options clearly and in advance.

Step 4: Clear Options, No Pressure

You will receive:

• Side-by-side coverage options
• Explanation of deductibles and hurricane exposure
• Disclosure of statutory and market limitations
• Honest discussion of what is and is not insurable
• Guidance, not sales pressure

Our goal is accuracy and long-term suitability, not just the lowest short-term premium.

What We Will Review With You

• Interior reconstruction limits under statute
• Hurricane and windstorm deductibles
• Loss assessment exposure (within market limits)
• Ordinance & law gaps
• Flood insurance coordination (if applicable)
• Occupancy compliance (owner-occupied, seasonal, long-term rental)

What We Will Not Do

• Sell coverage the Florida market does not allow
• Promise loss assessment limits carriers cannot provide
• Ignore reinsurance or FHCF occupancy restrictions
• Treat a condo like a single-family home
• Issue “quick quotes” that fail at claim time

Who This Process Is For

Our process is designed for:

• Florida primary residence condo owners
• Seasonal and snowbird owners
• Long-term rental condo owners (where permitted)
• Coastal and high-rise properties
• Owners who value proper structure and claim certainty

It is not designed for:

• Short-term rental units (Airbnb/VRBO)
• Transient occupancy
• Association master policy placement
• Non-Florida risks

Start Your HO-6 Quote

If you own a Florida condominium and want your HO-6 policy structured correctly the first time, begin here:
👉 Start My Florida HO-6 Quote

Or speak directly with a condo specialist:
📞 Phone: (772) 617-0050
📧 Email: [email protected]

Your condominium is one of your largest financial assets.
Your insurance should be designed with the same level of care.
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