Condo and renters insurance in Florida
Whether you own a condo or rent an apartment, we help you choose coverage that fills the gaps in your association's or landlord's insurance.
What it can cover
- Condo (HO-6): the interior of your unit, such as flooring, cabinets, countertops and improvements
- Your belongings, at home or away
- Loss of use if you can't live in your unit after a covered loss
- Personal liability if someone is hurt or you damage a neighbor's unit
- Loss assessment: your share of a covered special assessment from the association
- Renters (HO-4): your belongings, liability and loss of use
Good to know in Florida
- Under Florida law, a condo association's policy generally covers the building and common areas, but not items inside your unit such as floor, wall and ceiling coverings, appliances, water heaters, cabinets and countertops. Those are usually your responsibility.
- After a hurricane, an association can pass part of its deductible to owners through a special assessment. Loss assessment coverage can help pay your share.
- Your landlord's insurance covers the building, not your belongings or your liability. That's what renters insurance is for.
- Condo and renters policies don't cover flooding. Flood insurance for your unit's contents is available separately.
How Citadel Insurance Group helps
Tell us what you need
Call, chat or send a quote request. We'll ask a few questions about you and what you want to protect.
We compare insurance companies
As an independent agency, we compare coverage from several insurance companies and explain the differences in plain language.
We stay with you
After you buy, we help with policy changes, renewals and claims questions.
Questions and answers
Doesn't my association's master policy cover my unit?
Only partly. It generally covers the building and common areas. Your HO-6 policy covers what's inside your unit, your belongings and your liability. We can review both together so there are no gaps.
What is loss assessment coverage?
If the association charges owners a special assessment for a covered loss, such as its hurricane deductible, this coverage can pay your share up to your limit.
How much renters insurance do I need?
Enough to replace your belongings at today's prices, plus liability coverage. We'll help you estimate it.
Ready to compare?
A licensed agent will contact you, ask a few questions and compare options with you, in English or Spanish.
Other insurance we offer
- Auto insurance
- Home insurance
- Flood insurance
- Boat insurance
- Business insurance
- Workers' compensation
- Health insurance
- Life insurance
- Medicare plans
Descriptions on this page are general information, not a policy or a promise of coverage. Every policy is subject to the insurance company's underwriting, terms, conditions and exclusions. Not every product or company is available to every applicant.