If you own a Florida condo, your association's master policy covers the building's structure and common areas — but rarely what's inside your unit. That gap is what an HO6 (condo unit-owner) policy fills.
What the master policy usually covers
The building exterior, roof, and common areas — and often the original "as-built" interior. Check whether yours is "all-in" or "bare walls," because that decides where your responsibility starts.
What your HO6 covers
- Interior finishes and improvements — flooring, cabinets, built-ins — from the walls in
- Your personal property and personal liability
- Loss of use if your unit becomes uninhabitable
- Loss assessment coverage for your share of certain association assessments
The Florida loss-assessment wrinkle
With SB 4-D milestone inspections driving big special assessments, many owners assume their HO6 will pay. It can — but only for assessments from a covered loss, not routine maintenance or structural repairs. We break that down in will loss assessment coverage pay your special assessment?
Match it to the master policy
Your HO6 should coordinate with the master policy's deductible — especially the hurricane deductible — so a storm doesn't leave you exposed in the gap between the two.
Frequently asked questions
Is HO6 insurance required in Florida?
Not by state law, but your mortgage lender and your condo association almost always require it.
What does 'walls-in' mean?
Everything from the drywall inward — flooring, cabinets, fixtures, and your belongings — is your responsibility, not the master policy's.
Does my HO6 cover a special assessment?
Only assessments arising from a covered loss, up to your loss-assessment limit — generally not SB 4-D structural or maintenance assessments.
Own a Florida condo?
We'll match an HO6 to your association's master policy so there's no gap — free quote.
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