Compare Florida Condo Insurance Quotes from Top Carriers

The association’s master policy generally covers your building's structure, roof, common areas, and shared systems, with requirements set under Florida Statute 718.111. It stops short of your unit's interior, belongings, and liability, which is exactly what your HO-6 policy quote is for.

It can, but hurricane and wind coverage usually comes with its own deductible and terms. Your condo insurance policy typically covers wind damage inside your unit, while the master policy covers the building. 

No, standard HO-6 policies exclude flood damage, including storm surge. If you want protection against flooding, and especially if your building sits in a flood-prone area, add a separate flood policy through the National Flood Insurance Program or a private carrier to close that gap.

The difference between ACV and RCV coverage is that ACV pays based on your property's depreciated value, while RCV pays what it costs to replace the item. RCV typically costs a bit more but skips the depreciation hit when you file a claim.

Yes, you can switch condo insurance policies in Florida anytime, though canceling mid-term may trigger a short-rate penalty. Line up your new policy's effective date with your old policy's cancellation terms so there's no gap in coverage.

Standard condo insurance in Florida excludes flood damage, earth movement, normal wear and tear, and anything your association's master policy is responsible for. Exclusions vary by carrier, so check your declarations page and ask your agent what's not covered.

Home insurance covers a standalone house, structure, and land included. Condo insurance covers your unit, while your association's master policy covers the building's exterior and common areas.