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Condominium Insurance Information
If you own a condo, you should consider an insurance policy for your dwelling. Florida condos are vulnerable to various incidents, especially weather damage. Having an insurance policy for your condo can be a great way to limit your out-of-pocket expenses to repair or replace your belongings following a covered loss.
What Is Condo Insurance?
Condo insurance, commonly known as HO-6 insurance, is not required under Florida law, but requirements can vary among condo or homeowners’ associations. If you’ve financed your condo, your lender may require you to purchase condo insurance. In exchange for an insurance premium, your HO6 policy will help protect your belongings and the inside of your condo from potential damage or recovery expenses. Condo insurance also provides liability protections for third-party bodily injury or property damage.
What Does Condo Insurance Cover?
While coverages may vary, a typical HO-6 policy might include some of the following coverages:
Dwelling coverage, which helps cover any damage that occurs to the interior of your condo, including expenses related to weather damage such as hurricanes and fires
Personal property coverage, which generally assists in covering expenses related to damaged or lost personal belongings, including clothing and furniture, that you keep inside your condo
Personal liability coverage, which can assist in covering medical bills or legal expenses if someone gets injured inside your condo
Additional living expenses, which covers living expenses, such as a hotel room, if damage occurs to your condo and you cannot live there while it’s being repaired or rebuilt
Your HO-6 policy may not be limited to the above coverages. Learn more about potential policy options by reaching out to The Hagar Group today.
Reach Out to Learn More
If you live near Inverness, Florida, we can help you out. The agents at The Hagar Group are dedicated to helping condo owners learn more about HO-6 options so they can decide on the right policy for their dwellings.
Contact our agency today at 800-952-4953 to learn more about your coverage options.