HO6 Insurance in Florida Made Simple
Florida HO6 Insurance — Protect Your Condo & Belongings
Florida HO6 insurance, also called condo insurance, is designed to protect what your condo association’s master policy doesn’t cover. From your flooring and cabinets to your electronics and clothing, an HO6 policy safeguards your interior unit, your personal property, and your liability if someone gets hurt inside your home. Our licensed Florida agents provide affordable HO6 insurance coverage across the state — from Miami and Tampa to Orlando, Jacksonville, Fort Lauderdale, and beyond.
HO6 Insurance in Florida
Why Choose Us for Your Florida HO6 Policy?
We specialize in matching Florida condo owners with the right HO6 coverage for their unit and lifestyle. Our agents understand Florida’s unique insurance market — hurricanes, flood zones, special assessments — and we’ll help you secure a policy that fills the gaps your condo association’s master policy leaves behind.
How HO6 Deductibles & Premiums Work
Deductible basics
Premium factors:
Typical HO6 insurance in Florida covers
What Does Florida HO6 Insurance Cover?
HO6 Insurance in Florida
Key HO6 Insurance Options for Florida Condo Owners
Loss Assessment Coverage
Helps pay your share if the condo association charges a special assessment for damage to shared property like a roof or lobby
Water damage / plumbing backup
Covers sudden water issues inside your unit, which are among the most common condo claims.
Hurricane & windstorm coverage
Confirms how your HO6 policy handles hurricane deductibles and windstorm losses — critical for Florida condos.
Hurricanes, Wind & Flood Insurance
- Hurricane deductibles:
Florida HO6 insurance often has a separate deductible for hurricane damage. Review carefully so you know your out-of-pocket risk.
- Flood insurance is separate:
Standard HO6 policies don’t cover floods. If your condo is in a flood zone, a separate flood insurance policy may be required by your lender.
What we offer
Ways to Save on Your Florida HO6 Insurance
Bundle policies
Save by combining your HO6 with auto or other coverage.
Raise deductibles
Choose a higher deductible if you can handle the upfront cost.
Upgrade safety features
Smoke alarms, sprinklers, storm shutters and updated wiring reduce risk.
Review coverage yearly
Make sure your policy reflects any upgrades or new purchases.
Give Us A Chance To Prove It!
BENEFITS & MISSION
Florida HO6 Insurance FAQ
What’s the difference between condo insurance and HO6 insurance?
They’re the same thing — “HO6” is the technical policy form name used for condo insurance.
Does HO6 insurance cover flood damage?
No. Flood insurance is always purchased separately in Florida.
Is HO6 insurance required in Florida?
If you have a mortgage, your lender will almost always require an HO6 policy to protect your unit and belongings. Even if it’s not required, it’s highly recommended.
CALL TO ACTION
We Are Most Experience & Offer Best Services.
Protect your condo investment today with affordable Florida HO6 insurance. Our team serves every major city, including Miami, Orlando, Tampa, Jacksonville, and Fort Lauderdale.
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Finding the right auto insurance doesn’t need to be stressful. At Staybull Insurance, we make it quick, easy, and affordable. Get started online or call us today to speak with a licensed agent who understands the Florida market
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Call us at (772) 924-0854
