Condo Insurance in Florida

Florida offers a wide range of condo living options, from beachfront properties along the coast to luxury penthouses in Miami. Some condos are located in rural areas of the Panhandle, while others serve as seasonal homes for part-time residents. No matter where your condo is located or how you use it, having the right insurance policy is an important step in protecting your property and belongings.

What Condo Insurance Covers

Condo insurance provides coverage for the parts of your property that your condo association’s master policy does not. While the master policy typically covers shared spaces like hallways, roofs, and exterior walls, your condo insurance protects the interior of your unit, including walls, floors, fixtures, and personal belongings. It also includes liability coverage in case someone is injured inside your unit.

Why Condo Owners in Florida Need Insurance

Florida condos face a variety of risks, including hurricanes, flooding, and liability concerns. Beachfront condos may need additional protection against storm damage, while expensive penthouses in Miami often require higher coverage limits for valuable belongings. Rural condos in the Panhandle may face risks like wind damage or fire. Full-time residents and seasonal condo owners alike benefit from having a policy that addresses these risks and helps cover unexpected costs.

How an Insurance Agent Can Help

Understanding what your condo association’s master policy covers and what you need to insure can be complicated. At C&M Personal Lines Insurance Agency in Orlando, FL, we work with condo owners across Florida to assess their needs and find the right coverage. Our team will help you compare options from multiple carriers and create a policy that fits your situation.

Get Started Today

Protect your condo and belongings with a policy designed for your needs. Contact C&M Personal Lines Insurance Agency in Orlando, FL, to learn more about condo insurance and how we can help. Visit our Contact Us page to get started today.