Walls-in vs. walls-out: the question that decides everything
Most Florida master policies cover the building's exterior and common areas, leaving you responsible for everything from the drywall in — flooring, cabinets, countertops, fixtures, and your belongings. But master policies differ, and special assessments after major storms have become a defining fact of Florida condo life. Your HO-6 should include loss assessment coverage, which helps when the association passes a big repair bill on to unit owners — one of the most valuable and least expensive coverages you can add.
What an HO-6 policy covers
- Interior unit coverage — walls, floors, ceilings, cabinets, and built-ins
- Personal property — furniture, electronics, clothing, valuables
- Liability — if a guest is injured in your unit, or you cause damage to a neighbor's unit (think: water heater failure)
- Loss of use — living expenses if your unit is uninhabitable
- Loss assessment — your share of association-levied repair costs
Seasonal residents & rental units
Spend part of the year up north? Vacancy and seasonal-occupancy provisions matter — some policies restrict coverage for homes left unoccupied for long stretches. If you rent your unit out, you may need a dwelling-fire/landlord form instead of a standard HO-6. Tell us how you actually use the unit and we'll match the policy to reality.
Frequently Asked Questions
What does my condo association's master policy cover?
Typically the building exterior, roof, and common areas — but the details vary by association. We'll review your association documents with you to find exactly where your responsibility begins.
What is loss assessment coverage and do I need it?
If your association suffers a major loss and bills unit owners for a share of the repair, loss assessment coverage helps pay your portion. After recent Florida storm seasons, we consider it essential — and it's inexpensive.
Do I need condo insurance if I'm a seasonal resident?
Yes — and tell your agent. Unoccupied-home provisions, water damage exclusions, and the need for someone to check the unit can all affect your coverage while you're away.
Does my HO-6 cover flooding?
No. Like homeowners policies, condo policies exclude rising water. A separate flood policy covers your unit's interior and contents — particularly important for ground-floor units.
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