What Is an HO‑6 Policy? (Florida Condo Insurance Explained)
An HO‑6 policy is the standard condo insurance form used in Florida. It protects the interior of your unit, your personal belongings, and your liability exposure. While your condo association insures the building itself, the HO‑6 policy covers everything you are responsible for inside the unit.
Because Florida condos operate under strict association rules and master policy structures, understanding what an HO‑6 covers — and what it doesn’t — is essential for unit owners.
What an HO‑6 Policy Covers in Florida
Florida HO‑6 policies typically include:
- Interior Structure Coverage — Walls, flooring, cabinets, fixtures, and improvements
- Personal Property Coverage — Furniture, electronics, clothing, and belongings
- Loss of Use — Pays for temporary housing after a covered loss
- Personal Liability — Covers injuries or damage you cause to others
- Loss Assessment Coverage — Helps pay association special assessments after a covered loss
This combination makes the HO‑6 essential for Florida condo owners.
What the Condo Association Covers
Your condo association’s master policy typically covers:
- The building structure
- Roof and exterior walls
- Common areas
- Hallways, elevators, and amenities
However, associations vary. Some cover “bare walls,” while others cover “walls‑in.” Reviewing your association documents is critical.
Why HO‑6 Policies Matter in Florida
Florida condo owners face unique risks, including:
- Hurricane wind damage
- Water intrusion from neighboring units
- Plumbing leaks
- Power surge damage
- High‑value interior upgrades
This is especially important for buyers researching florida ho6 home insurance requirements for first time homebuyers, since lenders require HO‑6 coverage for financed condo purchases.
What an HO‑6 Policy Does NOT Cover
HO‑6 policies typically exclude:
- Flooding (requires separate flood insurance)
- Earth movement
- Wear and tear
- Damage to the building exterior
- Association negligence
Optional endorsements may be available depending on the insurer.
How Much Does an HO‑6 Policy Cost in Florida?
Condo insurance in Florida typically costs:
$30 – $90 per month
Rates vary based on location, building type, and interior upgrades.
Who Should Consider an HO‑6 Policy?
An HO‑6 policy is ideal for:
- Condo unit owners
- First‑time condo buyers
- Owners with upgraded interiors
- Anyone required by their lender or association
Need Help Choosing the Right Condo Insurance?
If you’re unsure how much interior coverage you need — or want to compare Florida condo insurance options — I can help you review your coverage needs and find the best fit.