HO-6 Policies for Condo Owners
Your association's master policy stops somewhere, and where it stops is written in your condo documents rather than anywhere obvious. An HO-6 policy covers what is left: the interior of your unit, your belongings, your liability, and the assessments the association can pass along to you. HBK Insurance Group reads the master policy first, then writes the HO-6 to meet it.
What Condo Insurance Covers
- ✓ Interior unit and improvements coverage
- ✓ Personal property protection
- ✓ Loss assessment coverage
- ✓ Liability protection
- ✓ Additional living expenses
- ✓ Flood coverage available as a companion policy
Loss Assessment Is the Line That Matters in Florida
When an association's master policy falls short after a storm, the shortfall is assessed to the owners. Florida condo owners have seen assessments that dwarf the annual premium of the policy that could have absorbed them. We size this coverage deliberately rather than leaving it at a default.
Walls-In, All-In, and Knowing Which You Have
Master policies range from bare walls to fully finished units, and the difference decides whether your cabinets, flooring and fixtures are yours to insure. Bring your association's declaration page and we will tell you exactly where the line falls.
Common Questions
Does my association's insurance cover my belongings?
No. Master policies cover the building and common elements. Everything you own inside the unit is yours to insure.
Do I need flood insurance in a second-floor unit?
Often yes, both because lenders require it and because the association may not cover your interior after a flood event. Elevation helps, but it does not settle the question.
What about hurricane deductibles?
Both your HO-6 and the master policy carry them. We check that the two work together instead of stacking against you.
Get Your Condo Insurance Quote
Start your quote below and a licensed HBK agent will review it and follow up. Prefer to talk it through? Call (772) 444-8182.
Serving the Treasure Coast
HBK Insurance Group is an independent agency in Stuart, Florida, serving Martin, St. Lucie and Palm Beach counties — Stuart, Palm City, Port Salerno, Jensen Beach, Hobe Sound, Sewall’s Point, Rio, Hutchinson Island, Port St. Lucie, Tradition, Fort Pierce, Jupiter, Tequesta and Palm Beach Gardens.