Condo Insurance in Orlando & Central Florida
Your condo association's master policy stops at the walls. An HO-6 policy fills the gap inside your unit and protects everything you own.
What Does Condo Insurance Cover?
Condo insurance — also called HO-6 — is designed for unit owners. It works alongside your association's master policy to cover what's yours and shield you from gaps the building's policy never addresses.
Interior Structure (Walls-In)
Covers fixtures, cabinets, flooring, and improvements inside your unit that the master policy treats as your responsibility.
Personal Property
Protects your furniture, electronics, clothing, and belongings against theft, fire, water damage, and other covered losses.
Personal Liability
If a guest is injured in your unit or you accidentally damage a neighbor's property, liability coverage helps with legal fees and settlements.
Loss Assessment
Helps pay your share when the association levies a special assessment for damage to common areas or shared liability claims.
Why Florida Condo Owners Need an HO-6
Master policy gaps are common — most are bare-walls or single-entity policies that exclude built-in features inside your unit. Without an HO-6, those costs land on you.
Hurricane season drives special assessments for roof, exterior, and pool repairs. Loss assessment coverage shields you from surprise five-figure bills.
Water damage from a unit above is one of the most common condo claims. Your HO-6 handles your interior; their policy handles their liability.
Key Coverage Types
Every association is different. We tailor your HO-6 to match your master policy's gaps and your personal exposure.
Walls-In Protection
Interior structure, built-ins, and improvements inside your unit.
Personal Belongings
Your furniture, electronics, and personal items at replacement cost.
Liability Coverage
Protection against guest injuries and accidental damage you cause.
Loss Assessment
Coverage for your portion of association special assessments.
Why Choose Portilla Insurance Partners
We combine local expertise with access to top-rated carriers to deliver coverage that truly protects you.
Independent & Unbiased
As an independent agency, we shop across multiple top-rated carriers to find you the best coverage at the most competitive rate — no captive carrier bias.
Central Florida Expertise
We know the unique risks Florida residents face and tailor every policy to address regional concerns, from hurricanes to liability hot spots.
Personalized Service
Your policy is never one-size-fits-all. We take the time to understand your needs, your lifestyle, and your budget to craft coverage that truly fits.
Florida Condo Insurance FAQs
How an HO-6 works alongside your association's master policy.
What's the difference between HO-6 and my condo association's master policy?
The master policy covers the building's exterior and common areas; it typically stops at your unit's walls (bare-walls) or at the original builder-grade finishes (single-entity). An HO-6 covers everything inside — your fixtures, flooring, cabinets, personal property, liability, and loss assessment. Without HO-6, those costs fall on you.
Do I need condo insurance in Florida?
Your mortgage lender will almost always require it, and most associations' bylaws require unit owners to carry HO-6 coverage. Even without that, the financial risk of a kitchen fire, burst pipe, or guest injury is too significant for most owners to self-insure.
What is loss assessment coverage and why does it matter in Florida?
When an association's master policy is insufficient for a covered loss (common after hurricanes), the association can assess unit owners for the shortfall. Loss assessment coverage on your HO-6 pays your share — often thousands to tens of thousands of dollars. Given Florida's hurricane exposure, we recommend higher-than-minimum limits for most clients.
How much does condo insurance cost in Orlando?
Florida HO-6 premiums typically range from $500 to $2,500+ per year depending on unit value, building age, location, and master-policy type. Units in coastal or high-rise buildings generally cost more. We shop multiple carriers to match your exposure without overpaying.
Does condo insurance cover water damage from the unit above me?
Your HO-6 covers damage to your unit's interior and belongings. The upstairs owner's liability coverage should pay if they're negligent. In practice, claims can get messy — we help policyholders navigate carrier coordination so you're not stuck in the middle.
Does my HO-6 include flood coverage?
No — flood is always a separate policy. Many Central Florida condo buildings are in or near flood zones; even those outside FEMA high-risk zones face rain and storm-surge risk. We can quote NFIP or private flood alongside your HO-6.
Get Condo Insurance Built for Your Building
We'll review your association's master policy and build an HO-6 that covers exactly what it doesn't. No guessing, no overlap.
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