Florida Condo Insurance

Protect your condo with coverage built around your needs. We shop multiple trusted carriers to deliver the best rates and options - from comprehensive HO-6 protection to liability-focused coverage. Older building? Coverage challenges? We specialize in finding solutions others can't.

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Condo Insurance (HO-6) Coverage Options

HO-6 policies are specifically designed for condo owners and cover what the association doesn't.

Interior Coverage (HO-6)

Covers the interior of your unit including walls, flooring, fixtures, and permanent improvements.

Personal Property Coverage

Covers your belongings including furniture, electronics, clothing, and other personal items.

Liability Coverage

Covers legal liability if you accidentally injure someone or damage their property in your condo.

Loss Assessment

Covers your share of condo association assessment for damage to common areas.

Water Damage Coverage

Optional coverage for water damage from burst pipes, plumbing failures, and other water-related incidents.

Additional Living Expenses

Covers temporary housing and living expenses if you must leave your condo due to a covered loss.

HO-6 Coverage and Florida's New Condo Reality

Condo insurance is a boundary question: your association's master policy typically covers the building's structure and common areas, while your HO-6 policy covers everything from the walls in — floors, cabinets, fixtures, your belongings, and improvements you've made. Where exactly that line falls depends on your association's documents, and reading them is part of quoting you correctly.

Two coverages matter more in Florida than almost anywhere. Loss assessment coverage protects you when the association levies owners for a major loss that exceeds the master policy — a hurricane roof claim, for example. And since Florida's post-Surfside condo safety laws took effect, associations face mandatory milestone inspections and reserve requirements that are reshaping budgets and assessments statewide — making loss assessment coverage and an accurate read of your master policy more valuable than ever.

Add flood: master policies rarely cover rising water inside your unit, and a contents-only flood policy is inexpensive. We quote HO-6 coverage across multiple carriers and check it against your association's actual documents.

Tools, Local Guides & Related Coverage

Free tools, local guides, and related coverage our condo insurance clients use most.

Wind Mitigation Savings Estimator Estimate the discounts an inspection report can earn you. Hurricane Risk Score Score any Florida address's storm exposure in seconds. All 67 Florida Counties Find your county for local rates and guidance. Florida Home Insurance Wind, roof, and hurricane deductible coverage built for Florida. Florida Flood Insurance NFIP and private flood options — never covered by home policies.

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Condo Insurance FAQs

As an independent agency, we are not tied to a single insurance carrier. We work with multiple trusted carriers to compare rates and coverage options, so we can find the best policy for your unique needs and budget.

Independent agencies like Anchor & Atlas represent multiple insurance carriers, not just one. That means we can shop your coverage across 30+ top-rated companies and recommend the policy that actually fits your situation, rather than steering you toward whatever a single carrier happens to sell. Our job is to work for you, not for an insurance company.

Your association's master policy generally covers the building's structure, roof, and common areas. Your personal HO-6 policy covers from the walls in — flooring, cabinets, fixtures, your belongings, improvements you've made, plus your personal liability. Exactly where the line falls depends on your association's governing documents, which is why we review them when we quote your coverage.

Yes! Anchor & Atlas Insurance serves all 67 Florida counties. Whether you are in Palm Bay, Melbourne, Orlando, Miami, Tampa, or anywhere else in the state, we can help you find the right coverage.

We have access to more than 30 top-rated insurance carriers covering home, auto, flood, life, umbrella, business, and specialty lines. We compare rates and coverage across them to find the best combination of price and protection for your needs - often quoting multiple carriers side by side so you can see real options before deciding.

When a major loss exceeds your association's master policy — a hurricane roof claim, for example — the association can assess every owner for the shortfall. Loss assessment coverage pays your share of that bill. With Florida's post-Surfside condo safety laws driving new inspection and reserve requirements statewide, we consider it essential for Florida condo owners.

If you need to file a claim, contact our office and we will walk you through the process. We can help you file directly with your carrier and advocate on your behalf to ensure a smooth claims experience.

Florida is one of the most complex insurance markets in the country. Hurricane risk, flood zones, sinkhole exposure, coastal construction rules, the state's no-fault auto laws, and rapidly changing carrier appetites all affect what you can buy and what it costs. Based in Palm Bay and serving all 67 counties, we live and work in this market every day - which means we know which carriers write what, where, and on what terms.

Usually not. Even when wind damages the building, the interior of your unit — drywall in some cases, flooring, cabinets, and your belongings — typically falls to your HO-6 policy, subject to your association's documents. And rising water from storm surge requires separate flood coverage; master policies rarely protect your unit's interior from flood.

In most cases, we can provide a quote within one business day. Some complex policies may take a bit longer as we shop multiple carriers to find you the best rate. Fill out our online form or call us to get started.

We start by listening - understanding your home, vehicles, family, business, and what you're trying to protect. Then we explain your options in plain language, walk through what each policy covers (and what it doesn't), answer questions honestly, and make a recommendation built around your situation. No pressure, no jargon, no surprises at claim time.

A national carrier sells you their products. A call center reads from a script. We're a local Florida independent agency - which means we shop multiple carriers on your behalf, you talk to the same licensed people every time, and we stay involved through renewals, life changes, and claims. No call routing, no transfers, no rotating reps.

What Our Clients Say

Rated 5.0 out of 5 stars based on 7 Google reviews
5 out of 5 stars
"We recently relocated from out of state, and Kelly was extremely helpful in getting us set up with homeowners and car insurance. Her knowledge was invaluable, she had answers for all of our questions, and she found us excellent policies that fit our needs. Highly recommend."

Rebecca S.

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5 out of 5 stars
"Kelly was very helpful and resourceful in securing me a better rate for my policy. Highly recommend."

Nicholson S.

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5 out of 5 stars
"Kelly was absolutely amazing and so patient and kind while navigating the insurance needs for my mom. Highly recommend Anchor & Atlas!"

Josephine H.

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Ready to Protect Your Condo Investment?

Our agents specialize in HO-6 policies and understand condo owner insurance needs.

Call (321) 454-4444