Bridges Insurance
Condo Insurance
Protect Your Property and Your Lifestyle
Owning a condominium in Florida offers convenience, community, and a sense of security—but it also comes with unique insurance needs. Standard homeowners insurance often doesn’t cover all the risks specific to condo ownership. That’s where Condo Insurance (also known as HO-6 insurance) comes in. At Bridges Insurance Agency, we help Florida condo owners understand their coverage options and ensure their property and belongings are properly protected.
What Florida Condo Insurance Typically Covers
Condo Insurance is designed to complement the condo association’s master policy, covering areas and risks the association policy may not. Key coverage typically includes:
Interior Structure Protection: Covers your unit’s interior, including walls, flooring, ceilings, built-in appliances, fixtures, and interior renovations or upgrades.
Personal Property: Protects your belongings such as furniture, electronics, clothing, and valuables against perils like fire, theft, water damage, and windstorm/hurricane damage (depending on policy).
Liability Protection: Helps cover medical expenses for guests, legal fees if you’re sued, and property damage to others if someone is injured or you accidentally damage another unit or shared property.
Additional Living Expenses: Pays for temporary housing, meals, and other living costs if your condo becomes uninhabitable due to a covered loss.
Condo Association vs. Individual Condo Insurance
It’s important to understand the difference between what your condo association’s master policy covers and what your individual policy should cover:
Condo Association Policy
Building Structure & Exterior
Common Areas (Pool, Lobby, Hallway)
Liability for Common Areas
Limited Coverage for Upgrades
Your HO-6 POLICY
Interior Unit (Walls, Flooring, Fixtures)
Personal Property & Belongings
Personal Liability Inside Your Unit
Full Coverage for Upgrades
Why Condo Insurance is Essential in Florida
Florida condo owners face unique risks, including hurricanes, flooding, and water damage from neighboring units. Without proper coverage, repairs and replacement costs could come directly out of your pocket. Condo Insurance ensures:
- Your personal property is protected
- You have liability coverage in case of accidents
- You’re prepared for temporary housing needs after damage
- Peace of mind knowing your investment is covered
Get a Condo Insurance Quote in Florida
At Bridges Insurance Agency, we help Florida residents protect what matters most. Our experienced, Tallahassee-based team will walk you through your options, explain what’s covered, and shop multiple top-rated carriers on your behalf to find the right fit for your needs and budget.
Give us a call at (850) 354-8900 or contact us online to get started. We’re here to simplify the process and make sure you’re prepared—no matter what Florida weather brings.