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Condominium Insurance

When you own a condominium unit, you — not your condo association's — you are responsible for what's inside your condo. That's why having a personal condo insurance policy is important. Condo associations have master insurance policies that cover the property, common areas and physical structure of your building. However, these master policies do not cover your personal property or your legal responsibility to others, and they may not cover improvements or customizations to your unit.

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As you get condo insurance quotes while shopping for a condo insurance policy, you'll typically select from available coverage, such as:

Personal Property

Helps replace belongings due to a covered peril (such as a fire)

Replacement value of your primary dwelling

This coverage will assist in replacing items such as flooring, ceilings, and countertops in the event of a disaster.

Bodily Injury

If someone is hurt on your property.

Liability for property damage

Damage protection from dangers

Such as fire, plumbing freezes, vandalism, glass breakage, etc.

Additional Living Expenses

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Coverage with Condo Insurance

A basic condo insurance policy will cover damages to most of your personal belongings, as well as walls, floors, ceiling coverings, etc. Most condominium by-laws or trust agreements state that the condo owner owns or is responsible for everything within the unit, including permanently attached fixtures and improvements.

With condo insurance, sometimes called an HO6 policy, damage to improvements, additions and alterations of your unit are covered. Your condo insurance policy also covers your belongings and the structural parts of the building that you own.

Factors Influencing the Cost of Homeowner's Insurance in Florida

The cost of condominium insurance is determined by insurance carriers using a variety of factors such as:

Types and amount of coverage selected

Age of Condominium Building

Construction Type of Condominium Building

Your personal insurance claims history

Wind Mitigation Inspection Credits (If wind insurance is selected for your condo insurance policy)

Security features of your condominium building (such as fire or burglar alarms)

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Essential Information for Obtaining a Condominium Insurance Quote

When obtaining a condominium insurance policy quotation from Pettineo Insurance Agency, we will need the following information to obtain the most accurate insurance quotation:

• Current Condominium Insurance Policy (If applicable)

• Year Built of Condominium Building

• Total Number of Units in your condominium building

• Estimated value of personal property

• Most recent wind mitigation inspection(If you are requesting wind or hurricane insurance for your condominium unit)

• Most recent 4 Point Inspection(Required by most condo insurance carriers if your condominium building is over 25 years old)

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Disclaimer: Insurance coverage cannot be bound or changed via submission of any online form/application provided on this site or otherwise. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly by a licensed agent.

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