7 Powerful Reasons Why Florida Condo Owners Need Specialized Condo Insurance
Florida is famous for its sunshine, beaches, and condos. Whether you live in Cape Coral, Fort Myers, or North Port, owning a condo is a popular choice for retirees, snowbirds, and families alike. But what many condo owners don’t realize is that standard homeowners insurance isn’t enough to cover the unique risks of condo living in Florida.
That’s where specialized condo insurance, also called HO-6 insurance, comes in. At Avalon Insurance Group, Inc., we’ve helped Florida condo owners protect their investments for over 20 years. Here are seven powerful reasons why condo insurance is essential.
1. Condo Associations Don’t Cover Everything
Your condo association’s master policy typically only covers common areas like the lobby, roof, or pool. It does not cover your personal belongings, interior walls, or liability if someone is injured inside your unit. That’s why condo insurance is crucial.
2. Protection for Your Personal Property
Imagine losing everything in your condo due to fire, theft, or hurricane damage. With specialized condo insurance, your furniture, electronics, clothing, and valuables are protected. You choose the coverage limit based on the value of your belongings.
3. Coverage for Interior Upgrades
Did you remodel your kitchen with granite countertops or install hardwood floors? Standard condo association policies won’t cover these improvements. An HO-6 condo insurance policy ensures upgrades you’ve made are protected.
4. Liability Coverage Inside Your Unit
If a guest slips on your balcony or a water leak damages the unit below, you could be held financially responsible. Condo insurance includes personal liability protection, which helps pay for medical bills or legal expenses if an accident occurs inside your condo.
5. Additional Living Expenses
If your condo becomes uninhabitable due to a covered loss (like a fire or hurricane), condo insurance helps pay for temporary housing, meals, and living expenses while repairs are made.
6. Flood & Hurricane Risks in Florida
Living in Florida means facing hurricanes and floods. While a standard HO-6 condo policy covers wind damage, it usually doesn’t include flood insurance. At Avalon, we help condo owners add flood coverage through the National Flood Insurance Program (NFIP) or private carriers.
Learn more about Flood Insurance Requirements in Florida (FEMA).
7. Peace of Mind for Snowbirds & Seasonal Residents
Many Florida condo owners are seasonal residents. If you’re away for months at a time, your unit is more vulnerable to leaks, theft, or storm damage. Condo insurance gives you peace of mind knowing your property is protected year-round.
Why Florida Condo Owners Choose Avalon Insurance Group
With 5-star reviews and two decades of experience, Avalon Insurance Group has earned a reputation for exceptional service and #ThumbsUpService. We’re proud to serve condo owners in Cape Coral, Fort Myers, and North Port with tailored insurance solutions.
Our Locations
Cape Coral Office
1112 Cape Coral Pkwy E, Cape Coral, FL 33904
(239) 275-3888
Fort Myers Office
7370 College Pkwy STE 312, Fort Myers, Fl 33907
(239) 275-3888
North Port Office
14503 S Tamiami Trl UNIT D, North Port, FL 34287
(941) 200-5798
Learn more at Avalon Insurance Group, Inc.
FAQs About Florida Condo Insurance
1. Is condo insurance required in Florida?
Yes, most condo associations require owners to carry HO-6 insurance.
2. What’s the difference between homeowners and condo insurance?
Homeowners insurance covers the entire structure. Condo insurance covers your unit’s interior, belongings, and liability.
3. Does condo insurance cover hurricanes?
Yes, wind and storm damage are typically covered, but flood insurance is separate.
4. How much condo insurance do I need in Florida?
It depends on your condo association’s master policy and the value of your belongings.
5. Does my condo insurance cover assessments?
Some policies include loss assessment coverage, which helps pay your share if the condo association faces a major repair bill.
6. How much does condo insurance cost in Florida?
Costs vary by location, building type, and coverage, but Avalon helps clients find affordable options.
Protect Your Florida Condo Today
Your condo is more than just a property—it’s your home and your investment. Don’t leave it vulnerable to gaps in coverage. At Avalon Insurance Group, we’ll customize a condo insurance policy that fits your needs and budget.
Call us today at (239) 275-3888 or (941) 200-5798, or visit one of our local offices in Cape Coral, Fort Myers, or North Port.
Get your free quote now at Avalon Insurance Group, Inc.