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Condo Insurance Coverages.

Condo insurance typically includes a few standard coverages to help protect you, your condo unit and your belongings.

Personal Property Coverage: Covers your personal possessions such as electronics, appliances, furniture and clothing from theft or damage. If they are stolen or damaged in a covered claim, this coverage may help pay to repair or replace them.
Personal Liability Coverage: If someone is accidentally injured while visiting your unit and you are at fault, condo liability coverage may help you pay for the expenses.
Loss of use Coverage: Covers temporary living expenses. If your condo is damaged, loss of use covers hotel, rent, and food expenses.

Condo Insurance Discounts.

You may qualify for discounts to help you save on condo insurance costs.

Safety Devices Discount. If your property have safety devices, like smoke alarms, fire extinguishers, automatic sprinklers are in located in all areas, burglar alarms and security systems, you may save up to 25%.
Multi-policy Discount. Save up to 15% when you bundle your condo insurance with an auto insurance policy.
55+ and Retired Discount of up to 25%.
New Condo Owner Discount If your building is less then 10 years old, you may be able to reduce your costs and get cheap condo insurance.
Claim Free for more than 3 years.
Gated Condominium Discount - key-pad entry or manned - up to 5%.
Wind Mitigation Discount. The State of Florida requires insurance companies to offer discounts for protecting your property against damage caused by windstorms. This discount is offered after a certified inspection is done to your property.

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Types of Property Insurance Policies

Get the right type of property insurance.

There are eight different types of homeowners insurance, each with their own specific coverage types.

HO1 Basic Home Insurance - HO1 is a basic property insurance policy with a limited amount of coverage. It protects your home from fire, windstorms, hail, or lightning.
HO2 Basic Plus Home Insurance - The HO2 policy includes all damage covered by HO-1 as well as damages sustained from falling objects and water damage.
HO3 Homeowner's Insurance - HO3 protects against sixteen of the most common perils. The policy will also cover personal belongings in the home. Some of the perils may be excluded such as earthquakes, floods, or nuclear accidents. Please make sure to check with our agency to find out which specific events are covered under your policy.
HO4 Renters Insurance - Renters Insurance (HO4) covers property in a rented home or apartment. It covers any damaged or stolen personal belongings as most insurance plans held by landlords won’t cover personal property losses. Please note that HO-4 does not cover damage to the property itself.
HO5 Comprehensive Homeowners Insurance - HO5 policy includes all damage covered by HO3, but HO5 is the most comprehensive homeowners insurance policy available. HO-5 covers personal property from just about any incident that could occur except for those that are specifically excluded.
HO6 Condominium / Apartment - HO6 policies are designed for owners of condos and tenants who live in co-ops. HO-6 policy generally covers the wall, ceiling, and floor of the residence as well. The HO6 policy is for condominiums, apartments, townhouses, or townhomes.
HO7 Mobile Home - The HO7 is similar to the HO3 policy but is specifically designed for mobile homes, modular homes, park models, some manufactured homes, trailers, or tiny homes.
HO8 Old Homes - HO8 policies are designed for old homes and are reserved for landmarks or historically significant places. Homes that are older than 40 years old may be covered under this policy.

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