Kite Insurance Agency

Condo insurance

Condo Insurance (HO-6) for Florida Unit Owners

Your association's master policy stops at the walls. An HO-6 policy covers your interior, your belongings, and your personal liability.

  • Interior / walls-in coverage
  • Personal property protection
  • Loss assessment coverage
  • Personal liability
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Kite Insurance Agency helps clients in Pensacola, Escambia County, Santa Rosa County, and the Florida Gulf Coast compare coverage options with clear explanations and responsive service.

What a condo policy covers

  • Walls-in / interior — cabinets, flooring, fixtures, and built-ins inside your unit.
  • Personal property — furniture, electronics, and belongings.
  • Loss assessment — your share of a covered association loss or deductible.
  • Personal liability — injuries or damage you're responsible for.

Coordinating with the master policy

Master policies vary between "bare walls" and "all-in." We review your association documents so your HO-6 limits line up instead of leaving a gap.

Related coverage

Frequently asked questions

What does my condo association's master policy cover?▾

Usually the building structure and common areas. Your unit's interior, belongings, and personal liability are typically your responsibility.

Do I need flood insurance for a condo?▾

Often yes, especially on lower floors near the coast. Flood is excluded from condo (HO-6) policies and requires a separate policy.

What is an HO-6 policy?▾

HO-6 is the standard condo unit-owner policy. It covers your unit's interior, your belongings, personal liability, and loss assessments.

What does my condo association's master policy cover?▾

It depends on your bylaws. Some master policies cover only the building shell; others include fixtures inside units. We'll review it to find gaps.

What is loss assessment coverage?▾

If the association charges owners for a large covered loss or deductible, loss assessment coverage can help pay your share.

Do condo owners need flood insurance?▾

Often worth considering. The association's flood coverage may not protect your unit's interior or belongings.

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