Florida Condominium Insurance (HO6)

Heritage Condo InsuranceMany Florida residents appreciate the easy home maintenance and social atmosphere of condo living, making it a very popular choice of residents throughout the state. As a condo owner, it’s important to understand what is covered by the insurance policy maintained by your condominium association and what you’ll need to obtain to properly insure your property.

Condominium association policies typically cover common areas only. This includes property damage or personal-liability claims caused by accidents in common areas. Common areas in most communities include swimming pools, community centers, elevators, hallways, landscaping, lobbies and gyms. Heritage Property and Casualty’s HO6 policy provides coverage to a condominium unit occupied by the owner or a tenant and its valued contents.

Items that are covered by the Condominium Association will be outlined in their Master Policy. A thorough review of the Master Policy will provide you with the information you need to obtain the proper amount of condo insurance for your unit.

Personal Liability Coverage and Medical Payments to Others

Personal liability provides coverage for property damage and bodily injury to others for which you are legally responsible. You may be held responsible for damages and medical payments if a guest in your unit is injured from a fall or other mishap. You may also be held responsible for accidents away from your property caused by you or family members who live with you. Personal liability covers legal defense and damages if you are sued up to the limit of liability as well as any medical payments if necessary.

Loss assessments

In the event of a loss that exceeds the condominium association master policy limits, you and your neighboring condominium dwellers might be asked to make up the difference. For example, the condo association master policy provides for a $500,000 property damage limit. After a terrible storm, $600,000 in damage to common areas is assessed. If you live in a 50 unit association, you and your 50 fellow condo owners will each need to chip in $2,000 to cover the claim. When deciding how much loss assessment coverage to obtain, examine the coverage limits on the condominium association’s master policy and look for special deductibles for certain hazards.

Personal Property and valuables

Personal property coverage allows for actual cash value replacement of clothing, household furnishings and other personal property up to specified limits in the event of a covered disaster such as fire or a tornado. We also have additional coverage options available such as increased limits on jewelry and fine art as well as a replacement cost option on personal property.

Permanently Attached Building Items Inside the Condo Unit

Your Heritage condominium insurance policy (H06) provides coverage for structures permanently attached to your condo, even if inside. This could be hardwood floors or special wall coverings that wouldn’t be covered under the Condominium Association’s master policy.

In addition, we offer coverage options for dog liability, identity theft and personal injury.


Contact your insurance agent to determine the levels of coverage that are right for you and to learn more about our condo insurance program. This will provide you with the information you need to secure a policy that’s right for you and your family. If you should need to report a claim, we’ll be there for you 24 hours a day, 7 days a week to process your claim quickly and efficiently.

This information is provided to you as an overview of our products and services. Consult your insurance agent to understand all of the provisions, limitations and exclusions that are part of a standard condominium insurance policy.