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The FL Condo Insurance Experts

If you think insurance for your condominium is covered by your association fees, think again. Typically, your monthly condo fees are used to fund a building insurance policy. This generally provides coverage for perils outside of your unit like the building's structure and covers liability if someone is hurt on the property outdoors.  

But if your unit is robbed or damaged, building insurance will not provide coverage for your personal possessions. You also don't have protection from personal liability if someone is injured inside your unit. To protect your belongings and yourself, you need to purchase a personal home insurance policy for condos (called an HO-6).

Insuring the condo and your belongings

Under the general terms of HO-6 condominium owner coverage, your policy should cover your personal property from 16 perils:

• Fire or lightning
• Windstorm or hail
• Explosion
• Riot or civil commotion
• Damage caused by aircraft
• Damage caused by vehicles
• Smoke
• Vandalism or malicious mischief
• Theft
• Volcanic eruption
• Falling objects
• Weight of ice, snow, or sleet
• Accidental discharge or overflow of water or steam from within a plumbing, heating, air conditioning, or automatic fire-protective sprinkler system, or from a household appliance.
• Sudden and accidental tearing apart, cracking, burning, or bulging of a steam or hot water heating system, an air conditioning or automatic fire-protective system.
• Freezing of a plumbing, heating, air conditioning or automatic, fire-protective sprinkler system, or of a household appliance.
• Sudden and accidental damage from artificially generated electrical current (does not include loss to a tube, transistor or similar electronic component)

A basic condo/co-op policy should also provide liability protection for incidents such as someone tripping and falling while inside your unit. In addition, if a covered peril should make your condo or co-op uninhabitable, your policy should include a provision to cover additional living expenses incurred if you have to find temporary shelter elsewhere.

Why Choose Us?

We are an independently owned insurance agency that has access to numerous nationally recognized insurance carriers which allows us to place your insurance policy with the carrier that provides you with the best possible price.

With access to numerous carriers we are not subject to one companies underwriting guidelines and premiums (price). So with that said why not choose us?.

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Miami Lakes, FL 33014

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