Short answer: A Florida condo unit owner policy (HO-6) covers the parts of the unit the association's master policy doesn't: under section 718.111(11), Florida Statutes, that generally includes interior floor, wall and ceiling coverings, built-in cabinets and countertops, fixtures, appliances, water heaters and electrical and plumbing fixtures inside your unit, plus your belongings, liability, loss of use and loss assessments. The right HO-6 depends on how you use the unit: primary home, seasonal, long-term rental or short-term rental each need different coverage. Nymble Insurance is a licensed Florida independent agency, so we quote multiple carriers for your exact use. Call (813) 291-3484 or start a quote online.
What the master policy covers, and what it leaves to you
Florida condo associations must insure the building on a replacement-cost basis. Section 718.111(11) of the Florida Statutes then carves out what the association's property policy does not have to cover. Those items are generally the unit owner's responsibility:
- Floor, wall and ceiling coverings (tile, wood, carpet, paint, wallpaper)
- Electrical fixtures, appliances, water heaters, water filters and built-in cabinets and countertops
- Window treatments and other fixtures inside the unit
- Your personal property, and any improvements or betterments you or a prior owner added
Your condo documents can shift responsibility further, so we read your declaration and the association's certificate of insurance before quoting. Your HO-6 dwelling limit (Coverage A) should be large enough to rebuild everything on that list after a total loss.
Coverage changes with how you use the unit
| How you use it | What to quote |
|---|---|
| Primary home | Standard HO-6: interior building items, contents, liability, loss of use and loss assessment |
| Seasonal or second home | HO-6 written for seasonal occupancy, with attention to water-damage and vacancy conditions while you're away |
| Long-term rental | A unit owner policy written for a rented unit, with fair rental value instead of your own living expenses, and liability for a landlord |
| Short-term rental (Airbnb, VRBO) | A policy that allows short-term rental activity. Many standard HO-6 forms restrict or exclude it, so this must be disclosed up front |
| Vacant or being renovated | Vacant-unit or renovation coverage, and builders risk if work is substantial |
Telling the carrier the real use is the single most important step. A policy written for an owner-occupied unit may not respond the way you expect if the unit was rented when the loss happened.
Want an HO-6 quote matched to how you use your unit? We are a licensed Florida independent agency, so we compare multiple carriers for you instead of selling one.
Start my quote → or call (813) 291-3484Coverages Florida unit owners often miss
- Loss assessment. If the master policy has a large hurricane deductible or a loss exceeds its limits, the association can assess every owner. Loss assessment coverage on your HO-6 can help pay your share, subject to the policy's limit and terms.
- Water damage from your unit to others. Liability coverage matters when a leak in your unit damages the unit below.
- Hurricane deductible. Your HO-6 has its own. Choose it knowing you may also face an assessment.
- Flood. HO-6 policies exclude flood. Ground-floor and coastal units in particular should price a separate flood policy for interior items and contents.
What to send for a fast quote
- Unit address and the association's name
- The master policy certificate or declarations (your manager can provide it)
- How you use the unit, and how many nights a year it is rented, if any
- Any upgrades: flooring, kitchen, baths
- Your current HO-6 declarations page, if you have one
Associations: we also quote condo association master policies, including vacant and builders risk coverage for projects under construction or renovation. Start a quote or call (813) 291-3484.
Frequently asked questions
Is HO-6 insurance required in Florida?
State law doesn't require every unit owner to buy one, but many associations' documents and most mortgage lenders do. Check your condo declaration and loan documents.
What does a Florida condo master policy not cover?
Under section 718.111(11), Florida Statutes, the association's policy generally excludes interior floor, wall and ceiling coverings, fixtures, appliances, water heaters, built-in cabinets and countertops, and owners' personal property.
Can I rent my condo on Airbnb with a regular HO-6?
Often not. Many standard unit owner policies restrict short-term rental activity. Tell your agent so the policy is written for that use.
Does HO-6 cover a special assessment after a hurricane?
Loss assessment coverage can pay your share of a covered assessment, up to its limit and subject to policy terms.
How fast can Nymble quote my condo?
Send the master policy certificate, your unit details and how you use it. We compare multiple carriers and call you back with options.
Sources
- Section 718.111, Florida Statutes (condominium association insurance, subsection 11)
- Section 627.4133, Florida Statutes
- Florida Office of Insurance Regulation: Consumer resources
General information, not legal advice or a coverage determination. Your policy wording controls. Last reviewed 2026-10-27.