What Florida Condo Associations Do Not Cover


And Why Every Unit Owner Needs Proper HO-6 Insurance

Many Florida condo owners believe the association’s master policy “covers the building.”
What it actually covers — and what it legally does not — is defined by Florida Statute 718.111(11).

Everything excluded by statute becomes your responsibility.
That is what your HO-6 policy must protect.

What the Master Policy Covers (In General)

Under Florida law, the association insures the building as originally constructed, including:
  • Structural components
  • Common area systems
  • Shared plumbing and electrical
  • Exterior walls and roof
  • Common HVAC and mechanical systems

But the statute specifically carves out key interior items.

What the Association Does Not Insure Under Florida Statute 718.111(11)

The master policy generally does not cover:
  • Kitchen cabinets and countertops
  • Bathroom cabinets and countertops
  • All floor covering (tile, wood, carpet, etc.)
  • Wall coverings (paint, wallpaper, finishes)
  • Plumbing fixtures (sinks, toilets, tubs, faucets)
  • Electrical fixtures (lighting, ceiling fans, outlets)
  • Appliances
  • Water heaters that serve only your unit
  • Any improvements or upgrades made by the unit owner

If any of these are damaged by:
  • Fire
  • Water
  • Hurricane
  • Wind-driven rain
  • Smoke
  • Explosion
  • Vandalism

Your HO-6 policy is the only coverage that responds.

The Financial Risk Most Owners Underestimate

After major losses, owners are often shocked to learn:
  • The association repaired the structure
  • The hallway was restored
  • The roof was replaced
  • The building was dried out

…but their unit interior — cabinets, floors, walls, fixtures, appliances — is their personal claim.

Rebuilding interior finishes in Florida today often runs:
  • $75,000 – $100,000 for mid-range units
  • $100,000+ for upgraded or coastal units

Without properly structured HO-6 Coverage A limits, this becomes out-of-pocket.


Improvements and Upgrades Are Always the Owner’s Responsibility

Any enhancements beyond the original developer build-out — including:
  • Stone countertops
  • Custom cabinetry
  • Wood flooring
  • Upgraded tile
  • High-end fixtures
  • Built-ins
  • Smart home wiring
  • Remodels and renovations

Must be insured under your HO-6 policy.

The association will not rebuild them.
The statute does not require them to.

Why Loss Assessment Is Tied to This Issue

Even when the building is insured, the association may:
  • Levy assessments to pay hurricane deductibles
  • Assess owners for uninsured portions of claims
  • Assess for ordinance & law upgrades
  • Assess for structural items not fully covered

Your HO-6 must also include loss assessment coverage to protect you from these building-level costs.

Why Generic Condo Insurance Is Dangerous

Most agents:
  • Do not structure HO-6 around Florida Statute 718.111(11)(f)
  • Underestimate interior reconstruction costs
  • Treat condo insurance like standard homeowners insurance

Florida condominiums are legally and financially different.

We insure Florida condo unit owners only.
Our coverage is built around statute, hurricane exposure, and real claim outcomes.

Protect What the Law Assigns to You

Your association insures the building.
Florida law assigns the interior and assessment exposure to you.
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Your HO-6 policy must be designed accordingly.
👉 Get your Florida HO-6 quote from a condo specialist