Personal Insurance
Condo (HO-6)
Walls-in coverage for condo owners. Especially relevant for SB-4D buildings.
Your condo association's master policy covers the building shell. Your HO-6 covers everything from the walls in — flooring, cabinetry, fixtures, contents, liability, and loss assessment if the association levies you for a deductible.
What's covered
- Walls-in / interior improvements
- Personal property (contents)
- Personal liability
- Loss of use
- Loss assessment (your share of master deductible)
- Hurricane + wind
What's not
- Building structure (covered by association master policy)
- Flood from outside source
- Common areas
Florida note
After Surfside, SB-4D requires structural milestone inspections of condos 30+ years old. Buildings mid-inspection or with open findings may face HO-6 underwriting issues. We track which carriers are still writing.
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We write condo (ho-6) with these carriers:
- Universal P&C
- Slide
- American Integrity
- Berkley Regional
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FL DFS License W190034 · NPN 9069115 · Licensed broker · Brokers of America PR LLC