Florida Condo Insurance Eligibility GuidelinesFlorida Condo Insurance EligibilityUniversal Condo Insurance specializes exclusively in Florida condo unit-owner insurance policies (HO6 policies).


Our agency focuses on helping Florida condo owners find appropriate condo insurance coverage based on occupancy, building type, ownership structure, and insurance carrier eligibility guidelines.


Insurance availability and underwriting rules may vary by carrier.

Eligible RisksThe following property types are commonly eligible:

• Florida condo units
• Owner-occupied condo units
• Seasonal condo residences
• Condo townhomes located within condo associations
• Individually-owned LLC ownership structures in some situations
  
  

Some seasonal rental exposures may also be eligible depending on rental frequency and minimum lease terms.

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
  
  

Eligibility varies by carrier.

Condo TownhomesTownhouses located within condo associations are often eligible for HO6 condo insurance coverage.

Townhomes located within homeowners associations (HOAs) instead of condo associations may have more limited insurance carrier availability.

LLC OwnershipSome carriers may allow condo ownership through an LLC if:

• The LLC is fully owned by an individual person
• The LLC does not own other LLCs

Additional documentation may sometimes be required.

Risks We Generally Do Not InsureThe following exposures are generally not eligible through our standard condo insurance markets:

• AirBNB rentals
• VRBO rentals
• Rentals under 30 days
• Hotel condos
• Vacant condo units with no furniture or occupants
  
  

Vacant condos are generally considered ineligible by many condo insurance carriers.

Short-Term Rental & Hotel Condo ReferralsFor short-term rental, vacation rental, or hotel-condo insurance needs, clients may contact:
PROPER Insurance
www.proper.insure
888-631-6680

Wind Mitigation InformationMany 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 construction is often easier to estimate for wind-resistant features.

Low-rise buildings 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 additional discounts.

Information Needed for a Condo Insurance QuoteTo help provide accurate pricing, we may request:

• Property address
• Condo association name
• Full-time or seasonal occupancy
• Rental information
• Current insurance carrier
• Renewal date
• Email address
• Phone number
• Wind Mitigation Report if available

Coverage AvailabilityCoverage availability, pricing, and underwriting eligibility may vary based on:

• Building age
• Occupancy
• Rental activity
• Prior insurance history
• Claims history
• Building characteristics
• Insurance carrier guidelines
  
  

All quotes are subject to underwriting approval.