Florida HO-6 Condo Insurance for Unit Owners

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What Florida Law Requires You to Insure — and How to Do It Correctly

An HO-6 condo insurance policy is not a standard homeowners policy.

In Florida, unit-owner responsibility is defined by Florida Statute 718.111(11). Your insurance must be structured to that statute — not guessed, not approximated, and not based on how a particular association words its policy.

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We insure Florida condo unit owners only and design HO-6 coverage around Florida law and real-world claims.

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What Is an HO-6 Policy?

An HO-6 (Unit Owners) policy protects:

• The interior components you are legally responsible for
• Your personal property
• Your personal liability
• Additional living expenses
• Your share of association losses through loss assessment coverage

It is the policy that protects everything the statute assigns to you.

What Florida Law Says the Association Does Not Cover

Under Florida Statute 718.111(11), the master policy generally covers the building as originally installed, excluding:

• Kitchen cabinets and countertops
• Bathroom cabinets and countertops
• Flooring (carpet, tile, wood, etc.)
• Wall coverings (paint or wallpaper)
• Plumbing fixtures
• Electrical fixtures
• Appliances
• Water heaters that serve only your unit
• Any improvements or additions made by the unit owner

These items are your responsibility — and must be insured under your HO-6 policy.

What Your HO-6 Must Cover Under Florida Law

1. Interior Building Components (Coverage A)

Your HO-6 must insure:

• Cabinets and countertops
• Flooring and wall finishes
• Plumbing and electrical fixtures
• Appliances and in-unit water heaters
• Interior partitions and all owner-added improvements

Limits must reflect today’s reconstruction cost, not original purchase price.

2. Personal Property (Coverage C)

Protects furniture, electronics, clothing, and contents against:

• Hurricane damage
• Water losses
• Fire and smoke
• Theft and vandalism
• Off-premises losses during evacuation

3. Loss of Use (Coverage D)

Pays for temporary housing and increased living costs if your unit becomes uninhabitable after a covered loss.

4. Personal Liability

Protects you when:

• Water escapes into another unit
• Fire or smoke spreads
• A guest is injured
• You are legally responsible for damage to others​

5. Loss Assessment Coverage (One of the Most Critical in Florida)

Covers your share when the association assesses owners for:

• Hurricane and windstorm deductibles
• Uninsured portions of building claims
• Structural repairs not fully insured
• Ordinance & law upgrades
• Litigation and settlement expenses

6. Hurricane & Wind Deductible Exposure

Florida HO-6 policies must be coordinated with:

• Percentage hurricane deductibles
• Named storm triggers
• Calendar-year deductible structures

Improper structure can leave owners with out-of-pocket exposure.

Why Condo Specialists Matter

Most agents:

• Do not design HO-6 policies around Florida Statute 718
• Underestimate loss assessment exposure
• Under-insure interior reconstruction costs
• Treat condo insurance like single-family homeowners insurance

We do not.

We structure HO-6 policies specifically for Florida condominium law, hurricane risk, and association assessment exposure.

Start With a Specialist

Your HO-6 policy is a legal and financial protection tool — not a commodity.

Work with a firm that insures Florida condo unit owners exclusively.
👉 Get your Florida HO-6 quote now