Florida Condo Insurance


Many people own Florida condominiums as a primary residence, second home, or rental property. There are specific needs for condo owners to make sure they cover their personal possessions and items both in the individual unit and outside the unit that are the owner's responsibility. The association may carry a Master Condominium policy that provides coverage for the building exterior and many common areas. However, under Florida Law, the unit owner is responsible for specific items, including air conditioning and heating that is related to the unit. Florida Family has a policy that can be adjusted to meet your personal situation. Your agent can design a policy for you that makes sure you are fully protected.

Florida condo insurance coverage that makes sense to you.

For owner-occupied condos:

  Coverage is available whether the unit is your year-round home or a seasonal home.

If your unit is rented to others:

  We have options for weekly, monthly, quarterly, semi-annual and annual rental terms.


Standard Coverage

Insures permanently attached items on the interior of the condo such as ceiling fans, cabinets, lighting fixtures, and floor coverings.

Personal Property
Coverage for your personal possessions in the event of loss or damage.

Additional Living Expenses
Pays necessary living expenses while your condo is being repaired from a covered loss.

Personal Liability
Coverage for claims filed against you as a result of accidental injuries to others and/or unintended property damage caused by you.

Medical Payments
Pays for actual medical expenses incurred by others for injuries sustained on your property.

It’s important to note that Florida condo insurance differs from homeowners in that the building is covered under a master policy. This limits the amount of coverage you will need to purchase for your specific unit.

In order to know the appropriate amount of insurance for your Florida condo insurance policy, you should be aware of what is covered under your master policy. Contact one of our agents to help you choose the right amount of coverage.

Optional Coverage

Special Coverage C
When owner occupied, broadens the coverage of contents in your condominium to all causes of loss except what is specifically excluded.

Rental to Others Coverage
Available and necessary if you rent your condo to others.

Replacement Cost on Contents
Allows you to replace old personal property damaged by a covered loss with new property at today's market cost.

Loss Assessment
Provides $2,000 of coverage, with the option to increase to $5,000, reimbursing you for a condo association’s assessment for damage to public areas when the assessment relates to a covered cause of loss.

Golf Cart Coverage
Provides physical damage and liability coverage for certain losses that may arise from using a golf cart in permitted areas.

Many more additional coverages are available to best fit your needs.

Policy Discounts

Florida Family offers a number of Florida condo insurance discounts designed to help you lower your premium:

  • Provides a discount to primary residents who are 55 or older and retired.
  • Earn an automatic discount if the exterior walls, floors, and roof of your property were built with noncombustible materials.
  • A discount applies if your condo is located in a building with limited access, such as a gate or keypad entry.
  • Provides a discount when the property is protected by burglar and fire alarms. A higher discount applies when the alarm is monitored by an alarm company.
  • Discounts apply if your property is located in a community that participates in the BCEG program, and was constructed after the community joined the program.
  • A discount is available if you have a qualified, certified lightning protection system installed in your property.
  • Provides credits for properties that have been built or updated to meet stronger building codes, such as the installation of approved storm shutters. A wind mitigation inspection may be required.
  • Provides a discount for structures that have a roof shape where the ends and sides of the roof slope down to the wall.
  • Provides additional credits if fire sprinklers are installed throughout the property.
  • Your choice of a higher deductible, the amount of money you are responsible for paying in the event of a claim, will reduce the price of your property insurance.