Florida Condominium Insurance

Homeowners / Primary Home

When you own a condominium in Orlando, Florida, you — not your condo association — are responsible for what is inside your condo. That is why having a personal condo insurance policy is so important.

Condo associations have master policies that cover the property, common areas, and physical structure of your building. However, these master policies do not cover your personal property, your legal responsibility to others, and they may not cover improvements or customization to your unit.

That is where condo insurance comes in! As you get quotes while shopping for a condo insurance policy, you will typically select from a variety of coverages, such as:

  • Personal property
  • Replacement value of your primary specified permanent attachments, up to a specific value
  • Bodily injury if someone is hurt on your property
  • Liability for property damage
  • Damage protection from dangers -- fire, plumbing freezes, vandalism, glass breakage, etc.

The location of the property also has a dire effect on the policy since there are a lot of condominiums that are on the coast of Florida. The proximity of the dwelling to the coast limits the number of insurance companies and the way these polices are written.

Florida Condominium Insurance Policy Discounts

  • Burglar alarm - Central
  • Fire alarm - Central
  • New house
  • Updated or Renovated home
  • Gated community patrol service
  • Residential sprinkler system
  • Fire resistive
  • Masonry construction
  • Claims free
  • Storm shutters
  • Location based rating
  • Wind Mitigation Report
  • Hip Roof
  • Multiple Policy

Having the right condominium insurance is important! That is why our professional agents are always determine to provide you with the right assistance to help you find and select the ideal coverages for your specific needs!