Peace of Mind for you and your family on your dwelling place.


Condo Insurance

Condominium insurance is unique. Condo insurance (also referred to as an H0-6 policy) covers your condo unit where your condo association insurance stops. Your association typically ensures the physical structure/building and other common areas.

Condo owners are generally responsible for the interior of their unit or from the drywall in things like your floors, walls, cabinets, and fixtures that your association’s insurance likely doesn’t cover.

It’s also important to understand that some town-homes are insured like condos, and therefore require an H0-6 policy.

Our dedicated team will work with you on an individual basis to find a policy that best suits your needs, for you, your family, and possessions are secure.


Tell us about your insurance needs.

It’s essential to understand what your coverage options are — not just for your condominium unit, but for you, and to others.

Learn More About Condo Insurance Coverage

Florida Insurance Requirements

Understanding the different types of coverages can help you find the right condo insurance policy for your needs and budget.

It's Your Financial Protection.

Understand Florida policy coverages.

Find out what will impact the insurance price.

Why do you need Condo Insurance?

Be sure to consult your HOA agreement to determine what the Association policy covers and what your responsibility. If common areas are damaged, your condo association may levy assessments against all the owners to pay the deductible on their association policy. Condo insurance is especially important because damage to your unit doesn’t affect just you, but it affects your neighbors in your building or complex, too.

Here are some specific circumstances that Condo - HOA insurance would cover:

The dwelling structure, garages or outbuildings and your contents in your property.

A fire in your unit sets off the sprinklers, causing damage to hallways and common areas.

Theft, vandalism, broken glass from a break-in injures a neighbor.

It will protect you against claims by anyone who injures themselves while on your condo.

At WE Insure, we offer free, comparative auto, home, and business quotes from multiple insurance carriers to get you the best possible assurance rate.

Want to see how much we can save you? Just request a quote to find out.

What does Condo Insurance Cover?

What does Condo Insurance cover?

Condo insurance works similarly to single-family homeowner’s insurance, but it’s usually a little more customizable. You may decide that you only want to buy personal property and liability insurance if your homeowner’s association covers your dwelling insurance.

Typical Florida Homeowners Policy Components.

Dwelling Insurance

This coverage pays for structural elements like walls and floors in your unit.

Personal Property

If an accident occurs in your Condo that damages someone, personal liability can help pay for covered those damages.

Loss of use

This coverage help you to pay for additional living expenses if you’re unable to live in your condo due to a covered loss.

Liability insurance

This covers you in the event you or your family members are responsible for causing injury or damage to another person or their property.

Medical Payments to others

This can help pay for minor injuries if a guest is hurt on your property. This coverage is usually sold in a small amount,

Common covered perils on Florida homeowners insurance policy

Fire, or Lightning.

Weather-related damage, such as windstorm or hail.

Water damage, not from flood.

Damage caused by Falling Objects.

Theft of personal property.

Damages caused by Vandalism and Malicious mischief.

Rioting or civil disturbances

Explosion causing damage to the covered structure.

Damage from an aircraft, car or vehicle

Sudden and accidental tearing, cracking, burning, or bulging

Volcanic Eruption

Damage from smoke

Hazards, such as floods and earthquakes, are not typically covered by standard policies, for such perils, additional coverage options are available.

What does Condo Insurance Cover?

Condo, HOA insurance costs vary widely based on individual rating factors, and every single insurance quote will generate a different premium. Bellow, you can find some of the things that commonly influence condo insurance rates.

Base Demographic

— Your age, your gender, your marital status, and education will affect your insurance rates in different ways.

Condo Features and Characteristic

— Condos age, type of structure, wiring, roof, garage, etc.

Your Condo - HOA Location

— The location of your home can change your Condo insurance premium. Near water it'll increase the rate.

Personal Factors

— Your habits can affect your Condo insurance premium. Ex: smokers may pay more, good credit history can lower the premium.

Credit History

— The better your credit, the more favorable your rates will usually be.

Protective Devices

— Monitors alarm systems, smoke detectors, fire extinguishers, can lower the premium.

Claims History

— Claims maid on a homeowner’s insurance policy it'll increase the premium.

Your Household

— Insurance companies underwrite at the household level, meaning they try to base insurance rates on the habits of the entire family.

Coverages You choose

— Your insurance and coverage amounts choices and deductibles, have a significant impact on how much you'll pay.



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We specialize personal and commercial lines.


We’ll be there for you whenever you need us.

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