Condo insurance
Your association's master policy stops at the walls. An HO-6 policy covers your interior, your belongings, and your personal liability.
Local insurance guidance
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.
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.
Usually the building structure and common areas. Your unit's interior, belongings, and personal liability are typically your responsibility.
Often yes, especially on lower floors near the coast. Flood is excluded from condo (HO-6) policies and requires a separate policy.
HO-6 is the standard condo unit-owner policy. It covers your unit's interior, your belongings, personal liability, and loss assessments.
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.
If the association charges owners for a large covered loss or deductible, loss assessment coverage can help pay your share.
Often worth considering. The association's flood coverage may not protect your unit's interior or belongings.