Dwelling / Building Property
Helps cover insured portions of the unit such as interior walls, flooring, cabinets, fixtures, and improvements when they are your responsibility under the condo documents and master policy.
Condo Insurance
Condo insurance that fits around the association’s master policy.
An HO-6 policy can protect your unit’s interior, belongings, loss of use, liability, and covered assessments—but the boundary with the master policy must be understood.
Please use the form for initial information only. We will guide secure next steps when more detail is needed.
Who it is for
Florida condo unit owners reviewing purchase requirements, renewal terms, interior improvements, personal property, liability, or association loss assessments.
What matters before you compare
- Read the condo declaration and master policy to identify what the association insures
- Estimate the value of interior finishes, alterations, and belongings inside the unit
- Loss assessment is limited and applies only when the policy conditions are met
How the process works
01
Tell us what you need
02
We review the risk and available markets
03
A licensed agent explains the options
04
You decide whether to proceed
Coverage education
Common coverages and policy features
Exact coverage depends on the policy form, limits, deductibles, endorsements, exclusions, and carrier approval. These explanations are educational and do not replace the policy contract.
Personal Property
Helps repair or replace covered belongings inside the unit, subject to the selected limit, valuation method, sublimits, and exclusions.
Loss of Use
Helps pay reasonable additional living expenses when a covered loss makes the unit uninhabitable, up to the policy limit and time period.
Personal Liability
Helps with defense and covered damages if you are legally responsible for injury or property damage, including some losses that affect neighboring units.
Medical Payments to Others
Helps pay smaller medical expenses for guests injured in or around your unit, often regardless of fault, up to a modest limit.
Loss Assessment
May help pay your share of an association assessment resulting from a covered loss to common property or a covered liability claim. Causes, limits, and deductibles are restricted.
Start a quote
Condo Insurance request
Share the basics for this product. We will review the request and guide the next step based on available markets, eligibility, and underwriting requirements.
Prefer to start with a conversation?
Message us directly. If we need documents or sensitive information, we will guide you to a secure next step.
Chat on WhatsAppPlease use the form for initial information only. We will guide secure next steps when more detail is needed.
Condo Insurance: Frequently asked questions
What is the difference between an HO-6 and the master policy?
The association’s master policy covers items defined in the condo documents, often common areas and some building elements. Your HO-6 covers your insured unit interests, belongings, loss of use, and personal liability.
How much dwelling coverage do I need for a condo?
Estimate what you must repair inside the unit—flooring, cabinets, counters, fixtures, built-ins, and improvements—after reviewing whether the master policy is bare walls, single entity, or all-in.
What is loss assessment coverage?
It may reimburse your share of certain association assessments caused by a loss covered under your HO-6. It does not cover every special assessment, maintenance expense, or master-policy deductible.
Does HO-6 cover the association’s hurricane deductible?
Possibly only in limited circumstances and up to the loss-assessment limit, if the cause and assessment meet policy terms. A large association deductible is not automatically fully covered.
Who pays when water damages the unit below mine?
Responsibility depends on the source, negligence, condo documents, master policy, and each owner’s HO-6. Notify the association and insurers promptly rather than assuming fault.
Are my renovations automatically covered?
Not necessarily. Report upgrades and improvements so the dwelling/building-property limit reflects their replacement cost and the insurer knows the unit’s current features.
Does condo insurance cover flood?
Standard HO-6 and master policies generally exclude flood caused by rising water or storm surge. Separate unit-owner flood coverage and association flood insurance should be reviewed.
Can my mortgage lender require HO-6 coverage?
Yes. A lender may require unit coverage and evidence of the association’s master policy. Its minimum requirement may still be less than what is needed to protect your belongings and liability.
Does submitting the form create a policy?
No. The form starts the review. Coverage exists only after the carrier approves the risk, the terms are accepted, payment requirements are met, and the effective date is confirmed.
How does TerraBridge help with this decision?
TerraBridge gathers the initial context, checks markets available for condo insurance, and explains relevant coverages, limits, deductibles, and tradeoffs. Final approval and issuance remain subject to carrier underwriting.
Insurance products are subject to underwriting approval, carrier availability, eligibility, terms, conditions, limitations, and exclusions. Submitting a request does not bind coverage, guarantee a quote, or create an insurance policy. Coverage is only effective when confirmed by the applicable carrier or authorized platform.