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Florida Condo Insurance (HO-6) Quotes
Published October 25, 2026
Call or text 813-302-7151
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813-302-7151
813-302-7151
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We serve clients across Florida and work with multiple insurance carriers to help individuals, families, and business owners compare coverage options that fit their state and industry requirements.
We serve clients across Florida and work with multiple insurance carriers to help individuals, families, and business owners compare coverage options that fit their state and industry requirements.
a week ago
Excellent service and very professional staff. They made the process easy, answered all my questions, and helped me find the right coverage. Highly recommended!
4 months ago
Communication is great and process made sinple. Very educated and professional.
2 weeks ago
Great attention to detail with exceptional service, thanks for your help 👍 definitely will recommend your services to friends and family.
a month ago
Ray & His Team have been beyond helpful these past years and continuing! Easy to communicate with, guidance throughout the process big or small company, he’s got you covered!
3 months ago
Reviews reflect individual customer opinions and experiences. They do not guarantee specific coverage, pricing, service timing, or claim outcomes.
We quote Florida condo insurance for unit owners anywhere in the state. An HO-6 policy covers the part of the unit your association leaves to you, plus your belongings and your liability. We compare it across the carriers available to us.
Call or text 813-302-7151, or send a request anytime. Most condo quotes come back within 24 to 48 hours. The insurance company decides eligibility and price after underwriting.
HO-6 condo policies we write in Florida
We write HO-6 policies for condos you live in full time, units you use for part of the year and units you rent out to long-term tenants. We quote units in older buildings and in newer ones. The building’s age and the floor your unit sits on can change which carriers quote and what they charge, so those details come first on our list.
For a unit you use only part of the year, tell us how many months it sits empty. Some carriers ask about it, and the answer can change which policy fits the unit.
If you already have a policy, send your declarations page with the request. If your carrier sent a renewal you can’t afford or a notice that it won’t renew, our page for owners who got a nonrenewal notice explains the timelines. Own a house as well? We also quote homeowners insurance, and there’s no fee for a quote because the insurance company pays our commission.
What condo insurance costs in Florida
In real quotes our agency has run for Florida condo owners, HO-6 policies have ranged from $800 to $5,200 a year (about $67 to $433 a month). By county, the annual ranges look like this:
- Pasco: $700 to $4,100
- Pinellas: $1,100 to $3,100
Each county is a separate group of quotes, so a county range can sit outside the overall one. Your real price depends on the floor, the building’s age and location, how much coverage you need for the inside of the unit and the hurricane deductible you pick. The insurance company sets the final price after underwriting.
What the condo association covers and what you cover
The association’s master policy usually insures the building and the areas owners share. Your condo documents say where the association’s part stops and yours starts. That line is different from one building to the next, which is why two owners in the same city can need very different HO-6 limits.
Your HO-6 covers what the documents leave to you. That is often the interior walls, floors, cabinets and fixtures, along with your furniture, clothes and other belongings and your personal liability. Owners often call the first part walls-in coverage. If you replaced the flooring or redid the kitchen, those upgrades usually fall on your side of the line too. Before we quote, we read the master policy declarations with you, so the HO-6 limits are built around the part of the unit you’re responsible for. If you don’t have the declarations, the association or its manager can usually send a copy.
Loss assessment coverage for condo owners
When the association has a covered loss to the building or the shared property, it can charge each owner a share of the cost. Loss assessment coverage on your HO-6 may pay that share, for example when the association passes part of its hurricane deductible on to owners. What it pays depends on the policy and the carrier.
Florida law requires every unit owner policy to include at least $2,000 of loss assessment coverage. It applies to assessments that come from a covered direct loss to property owned in common, and its deductible can be no more than $250 (s. 627.714, Florida Statutes). Many owners carry more than the minimum. If your association’s hurricane deductible is large, ask us to quote a higher limit and compare the price difference.
Hurricane and wind deductibles on a condo policy
Your HO-6 usually has a separate hurricane deductible. On a covered hurricane claim, you pay that amount first and the policy pays the rest, up to its limits. A higher deductible usually lowers the premium, so we quote more than one option when the carrier allows it and show you the difference in dollars.
The association has its own hurricane deductible on the master policy. Because it applies to the whole building, the dollar amount can be large. When a storm causes damage that falls under that deductible, the association may split the cost among owners as an assessment. That is where your loss assessment coverage comes in, so we look at both deductibles together before you choose.
Water damage from the unit above or next door
In a condo, a leak rarely stays in one unit. A burst supply line or an overflowing tub upstairs can soak your ceiling, walls and floors. An HO-6 may pay to repair the parts of the unit you insure and to replace damaged belongings, depending on the cause of the water and the policy terms. If the leak starts in your unit and damages a neighbor’s, the liability part of your HO-6 may respond, again depending on the facts and the policy.
Read the water coverage closely, especially in a high-rise, where one leak can travel down several floors. Some policies set a lower limit for water damage or exclude damage from a leak that went on over time. When we send quotes, ask us to show the water limits side by side so you can compare more than the price.
Renting out your condo
Tell us if you rent the unit out or plan to. The carrier needs to know who lives there. An HO-6 written for an owner who lives in the unit may not respond the same way once a tenant moves in. Some carriers add a rental endorsement to the HO-6. For a unit leased to a long-term tenant, a landlord policy may fit better. Our page on renting out your condo and other rental homes explains the options, and your tenant can carry renters insurance for their own belongings.
Older condo buildings and inspection reports
Older condo buildings can bring higher HO-6 prices, and carriers may ask more questions about the building’s age, roof and updates. Associations in older buildings may also need to pay for repairs, and many raise that money through special assessments. Loss assessment coverage is written for assessments that follow a covered loss, so it may not apply to planned repairs. Ask us how your policy reads before you count on it. If you have a wind mitigation report or another inspection report for the building or your unit, send it with your request. We review the reports you bring and can recommend an inspector if you ask.
Flood insurance for condo owners
Flood is a separate policy, and your HO-6 doesn’t include it. The association’s flood policy, if it has one, covers the building. Under the NFIP, a condo association master policy can insure up to $250,000 times the number of units. Your own flood policy can cover your contents and the improvements you made inside the unit, and NFIP contents coverage goes up to $100,000. An NFIP policy usually starts after a 30-day wait, with no wait when you buy it as part of closing on a mortgage loan. Private flood waiting periods depend on the carrier, and some are shorter than 30 days. We quote NFIP and private flood insurance quotes for condo units.
If you are replacing an NFIP flood policy with a private flood policy, you could lose a discounted (subsidized) NFIP rate and may pay a higher full-risk rate if you go back to the NFIP later. Before we place a private flood policy, we will ask you to sign a notice that explains this (s. 627.715, Florida Statutes).
Citizens condo unit owner policies are exempt from the Citizens flood requirement (Citizens flood insurance rules). If your HO-6 is with Citizens, you don’t need flood coverage to keep it, although the HO-6 still won’t pay for flood damage. Our page on condo owners and the Citizens flood rule covers who the rule applies to.
What to have ready for a condo quote
Send as much of this as you have. Anything missing can follow later, and we’ll tell you if a carrier needs more.
- Unit address and the floor the unit is on
- Year the building was built
- Association name
- Master policy declarations or condo documents, if you have them
- Your current declarations page
- Updates you made inside the unit, such as new flooring or a kitchen remodel
How getting a condo quote works
- Send your details. Call or text 813-302-7151, 7 days a week from 8am to 9pm, or send the quote form anytime.
- We compare the carriers available to us. We read the master policy information you send, set the HO-6 limits to match your part of the unit and come back with the options that fit.
- You pick, and we set it up. We set the start date you want and send proof of coverage to your lender if you have one. If you pay through escrow, we send the new declarations page to your lender and handle the escrow side. You cancel your old policy yourself.
We help in English and Spanish, and we have an Arabic-speaking team member.
Areas we serve
We write condo insurance throughout Florida from our office in Zephyrhills, and most of our clients live in Hillsborough, Pasco, Pinellas and Polk counties. See our service areas, including Clearwater, St. Petersburg, Tampa and Wesley Chapel.
Related coverage and guides
How much is condo insurance in Florida?
In our quotes, HO-6 policies have run $800 to $5,200 a year, or about $67 to $433 a month. Pasco quotes ranged from $700 to $4,100 and Pinellas quotes from $1,100 to $3,100. Your price depends on the floor, the building’s age and location, the limits you need and your hurricane deductible.
Is HO-6 insurance required in Florida?
Often, yes, in practice. If you have a mortgage on the unit, your lender will usually ask for an HO-6, and your condo documents may require owners to carry one. If you buy one, Florida law says it must include at least $2,000 of loss assessment coverage. Send us your documents if you’re not sure what they require.
What does an HO-6 policy cover?
An HO-6 covers the part of the unit your condo documents leave to you, often the interior walls, floors, cabinets and fixtures. It also covers your belongings, your personal liability and loss assessment, with at least $2,000 of that by law. Exact coverage depends on the policy and the carrier, so we read the master policy with you before quoting.
Doesn't my condo association's insurance cover my unit?
Only part of it, in most cases. The master policy usually covers the building and the shared areas. The inside of the unit, your belongings and your liability are often left to you. Your condo documents and the master policy declarations show where the line falls, and we can read them with you.
What is loss assessment coverage, and how much do I need?
It may pay your share when the association charges owners after a covered loss, such as part of its hurricane deductible. Florida requires at least $2,000 on every unit owner policy, with a deductible of no more than $250. Many owners carry more. Ask us to compare limits against your share of the association’s hurricane deductible.
Do I need flood insurance for my condo?
Not to keep a Citizens HO-6. Citizens condo unit owner policies are exempt from its flood requirement. Your HO-6 still doesn’t cover flood, so a separate flood policy is how you would cover your contents and improvements. NFIP contents coverage goes up to $100,000, and we quote NFIP and private flood for condo units.
Can I insure a condo I rent out?
Yes. Tell us the unit is rented when you ask for a quote. Some carriers add a rental endorsement to an HO-6, and a unit leased to a long-term tenant may fit a landlord policy better. We write both, and your tenant can carry renters insurance for their own belongings.
About the Author
Raymundo Guzman
I’m Raymundo Guzman, an independent insurance agent and the owner of Covered by Guzman. I help Florida homeowners, landlords and property owners compare home, condo, mobile home and flood insurance, along with the business coverage I write every day, using the carriers available to me rather than selling one company’s product.
Independent Insurance Agent · License #W512374 | NPN #18906048 · 813-302-7151
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Own a condo? Get your HO-6 quote.
Send the unit address, the floor and the year the building was built, plus the master policy declarations if you have them. We’ll compare HO-6 options from the carriers available to us and follow up.
