Oceanfront condominium towers and palm trees along Collins Avenue in Sunny Isles Beach, Florida

Florida condo insurance

Florida condo insurance for owners, landlords and associations.

Updated November 4, 2026 · Reviewed by Nymble Insurance LLC, a licensed Florida agency

Florida condo insurance has two layers: the association's master policy covers the building, and your unit-owner (HO-6) policy covers what the master policy doesn't, plus your belongings, liability and loss assessments. Nymble Insurance LLC places HO-6 policies for every use, from primary homes to Airbnb units, vacant units and renovations, and association master policies.

HO-6 for owners, landlords and short-term rental hosts
Vacant units and builders risk for renovations
Association master property, liability, D&O and crime

Get a Florida condo (HO-6) quote

Step 1 of 4

You & the unit

How is the unit used? Nights rented per yearRenovation budgetMonths vacant so farBuilding Year building was built Unit floorUnit square feet

Your information goes to one licensed agency, not a lead marketplace. Fields marked * are required.

Who pays for what after damage in a Florida condo?

Florida law makes the association insure the building, including many fixtures, on a replacement cost basis. Unit owners generally insure interior finishes, improvements, belongings, liability and loss assessments. Your declaration of condominium decides the exact line, so read it alongside the master policy before choosing HO-6 limits.

What is an HO-6 policy?

An HO-6 is a condo unit-owner policy. It covers the parts of the unit the association does not insure, such as flooring, cabinets and upgrades, plus personal property, liability, loss of use and loss assessments. Florida law requires unit-owner policies to include at least $2,000 of loss assessment coverage.

Master policy vs. HO-6 in a typical Florida condo

Item	Usually the master policy	Usually your HO-6
Exterior walls, roof, structure	Yes	No
Common areas	Yes	No
Floor coverings, cabinets, appliances inside the unit	Usually excluded by s. 718.111	Yes
Personal belongings	No	Yes
Your personal liability	No	Yes
Your share of an assessment	No	Loss assessment coverage

Licensed Florida agencyNymble Insurance LLC · License L131669

Agency NPN 21626709Verifiable with the state and NIPR

One agency, not a lead marketplaceYour details are not sold

Talk to a licensed agent(813) 291-3484

Which condo coverage do you need?

Unit owners (HO-6)

Walls-in, belongings, liability, assessments.

Rented & Airbnb units

Long-term leases and short-term rentals.

Vacant & renovation

Empty units and builders risk.

For boards and managers

Association insurance

Master property, wind, GL, D&O, crime.

Master policy explained

Bare walls, single entity, all-in.

Loss assessment

When the association bills every owner.

What does an HO-6 usually cover?

Walls-in items the master policy leaves to you: flooring, cabinets, fixtures.
Personal property.
Loss of use or rental income after a covered loss.
Liability.
Loss assessment for your share of covered association assessments.

How does it work?

1. Tell us about the unit

Building, floor, use and what the master policy covers.

2. We shop it

A licensed agent reviews your association documents with you.

3. You choose

We explain limits, hurricane deductibles and assessment coverage first.

Coverage depends on the policy, the insurance company and underwriting approval. Nothing here is a promise of coverage or price.

Florida condo living, from low-rise to high-rise

Fort Lauderdale high-rise condominiums and the Intracoastal Waterway — Fort Lauderdale Photo credit

Low-rise townhouse condominiums around a shared pool in Lauderdale-by-the-Sea, Florida — Lauderdale-by-the-Sea Photo credit

Boats on Biscayne Bay with the Sunny Isles Beach condominium skyline behind — Biscayne Bay Photo credit

Condominium towers of Sunny Isles Beach, Florida seen from the west — Sunny Isles Beach skyline Photo credit

Photographs are for illustration only. They are not our customers or their homes.

Florida condo insurance questions, answered

Is HO-6 insurance required in Florida?

Mortgage lenders require it and many associations do too. Check your declaration and loan papers.

Can I insure a condo I rent on Airbnb or VRBO?

Yes. Tell us the platform and nights rented so the policy is written for that use.

How much loss assessment coverage should I carry?

Enough to cover your likely share of the master policy's hurricane deductible. Florida requires at least $2,000; many owners choose more.

Do you insure condo associations?

Yes: master property and wind, general liability, D&O, crime, umbrella and builders risk. See association insurance.

Who is Nymble Insurance?

Nymble Insurance LLC is a licensed Florida insurance agency (License L131669, NPN 21626709). One agency handles your quote, and your information is not sold.

Florida condo insurance guides

See every article

Sources and official resources

General information only, not legal advice. Policy terms control coverage.