Universal Condo Insurance FAQ & Client SupportAbout Universal Condo InsuranceUniversal Condo Insurance specializes exclusively in Florida condo insurance for condo unit owners.
We are an independent insurance agency with more than 15 years of experience helping Florida condo owners protect their homes and navigate Florida’s unique insurance market. Our agency focuses specifically on HO6 condo insurance policies for Florida condo unit owners.
Why clients choose Universal Condo Insurance:
Our goal is to provide knowledgeable, friendly service while helping Florida condo owners understand their coverage options.
Office Hours & Contact InformationOffice Hours:
Monday through Friday
9:00 AM to 5:00 PM Eastern Time
Main Office Phone:
772-617-0050
Text Messaging:
Clients may text:
Email:
[email protected]
Website:
www.universalcondo.com
What Type of Insurance
Do You Offer?
We specialize exclusively in Florida HO6 condo unit-owner insurance policies.
We insure:
PROPER Insurance
www.proper.insure
888-631-6680
Seasonal RentalsSome insurance carriers may allow seasonal rentals if:
LLC OwnershipSome carriers may allow LLC ownership if:
Townhouse CondosTownhouses located within condo associations may be eligible for HO6 condo insurance.
Townhomes located within homeowners associations (HOAs) instead of condo associations may have more limited carrier availability.
What Is an HO6 Condo Insurance Policy?An HO6 policy is designed specifically for condo unit owners.
Coverage may help protect:
Coverage needs may vary depending on what the condo association master policy covers.
What Does the Condo Association Insurance Cover?
Florida condo associations typically insure portions of the building structure through the association master policy.
However, many condo associations do not cover:
This is why many Florida condo owners purchase HO6 condo insurance coverage.
Wind Mitigation DiscountsMany Florida condo owners may qualify for wind mitigation discounts.
Wind mitigation discounts may be especially important for:
High-rise condo construction is often easier to estimate for wind-resistant features.
Low-rise condo construction can be much harder to estimate accurately without a Wind Mitigation Inspection Report.
If available, providing a Wind Mitigation Report may help us provide more accurate pricing and identify available discounts.
Information Needed for a QuoteTo provide a condo insurance quote, we may request:
Existing Client SupportExisting clients may contact our office regarding:
Phone:
772-617-0050
Email:
[email protected]
Claims InformationFor urgent claims situations, clients should report claims directly to their insurance carrier as soon as possible.
If assistance is needed locating carrier claims information, please contact our office.
Additional InformationInsurance eligibility and coverage availability may vary by insurance carrier, occupancy type, building characteristics, and underwriting guidelines.
Quotes are subject to underwriting approval.
We are an independent insurance agency with more than 15 years of experience helping Florida condo owners protect their homes and navigate Florida’s unique insurance market. Our agency focuses specifically on HO6 condo insurance policies for Florida condo unit owners.
Why clients choose Universal Condo Insurance:
- Specializing exclusively in Florida condo insurance
- Independent agency
- Florida hurricane expertise
- Personalized service
- Fast quote turnaround
- Condo insurance experts
- More than 100 Google Reviews
Our goal is to provide knowledgeable, friendly service while helping Florida condo owners understand their coverage options.
Office Hours & Contact InformationOffice Hours:
Monday through Friday
9:00 AM to 5:00 PM Eastern Time
Main Office Phone:
772-617-0050
Text Messaging:
Clients may text:
- 772-617-0050
- 772-617-0055
Email:
[email protected]
Website:
www.universalcondo.com
What Type of Insurance
Do You Offer?
We specialize exclusively in Florida HO6 condo unit-owner insurance policies.
We insure:
- Florida condo units
- Primary residences
- Seasonal residences
- Some seasonal rental exposures
- Condo townhomes located within condo associations
- Individually-owned LLCs in some situations
- Hotel condos
- AirBNB or VRBO exposures
- Rentals under 30 days
- Vacant condos with no furniture and no occupants
PROPER Insurance
www.proper.insure
888-631-6680
Seasonal RentalsSome insurance carriers may allow seasonal rentals if:
- The minimum rental period is 30 days or longer
- Rentals occur no more than approximately 3 times per year
LLC OwnershipSome carriers may allow LLC ownership if:
- The LLC is fully owned by an individual person
- The LLC does not own other LLCs
Townhouse CondosTownhouses located within condo associations may be eligible for HO6 condo insurance.
Townhomes located within homeowners associations (HOAs) instead of condo associations may have more limited carrier availability.
What Is an HO6 Condo Insurance Policy?An HO6 policy is designed specifically for condo unit owners.
Coverage may help protect:
- Interior improvements
- Flooring
- Cabinets
- Countertops
- Personal property
- Liability
- Loss assessment
- Additional living expenses after a covered loss
Coverage needs may vary depending on what the condo association master policy covers.
What Does the Condo Association Insurance Cover?
Florida condo associations typically insure portions of the building structure through the association master policy.
However, many condo associations do not cover:
- Interior upgrades
- Flooring
- Cabinets
- Countertops
- Appliances
- Personal belongings
- Liability
- Loss assessment
This is why many Florida condo owners purchase HO6 condo insurance coverage.
Wind Mitigation DiscountsMany Florida condo owners may qualify for wind mitigation discounts.
Wind mitigation discounts may be especially important for:
- Pre-2002 construction
- Low-rise condo buildings
High-rise condo construction is often easier to estimate for wind-resistant features.
Low-rise condo construction can be much harder to estimate accurately without a Wind Mitigation Inspection Report.
If available, providing a Wind Mitigation Report may help us provide more accurate pricing and identify available discounts.
Information Needed for a QuoteTo provide a condo insurance quote, we may request:
- Property address
- Condo association name
- Full-time or seasonal occupancy
- Any rental activity
- Current insurance carrier
- Renewal date
- Email address
- Phone number
- Wind Mitigation Report if available
Existing Client SupportExisting clients may contact our office regarding:
- Payments
- Billing questions
- Claims assistance
- Mortgagee changes
- Renewal questions
- Requesting declarations pages
- Proof of insurance
- Uploading Wind Mitigation Reports
Phone:
772-617-0050
Email:
[email protected]
Claims InformationFor urgent claims situations, clients should report claims directly to their insurance carrier as soon as possible.
If assistance is needed locating carrier claims information, please contact our office.
Additional InformationInsurance eligibility and coverage availability may vary by insurance carrier, occupancy type, building characteristics, and underwriting guidelines.
Quotes are subject to underwriting approval.