Condo Insurance
Protection beyond your HOA policy.
Written to the gap your association's master policy leaves: interior dwelling coverage, personal property and liability inside your own walls.
Chapter 01
Read the master policy first
A condo policy cannot be written sensibly until someone has read what the association's master policy actually names. Master policies differ, and the line they draw between the building and your unit is the line your own policy has to start from.
We would rather see that document than guess at it. It is the difference between covering the gap you have and covering the gap a template assumed you had.
A low-rise Florida coastal condominium building behind palms
The part you personally own
Interior dwelling coverage handles what sits inside your unit: the finishes, the cabinetry, the fixtures that the master policy stops short of. Personal property covers your belongings.
Liability coverage answers when someone is injured inside your unit or you cause damage that reaches a neighbour, which in a shared building is a more realistic scenario than it is in a detached house.
Chapter 03
Where a building-wide loss reaches an individual owner
When a loss affects the shared structure, the cost of it does not always stop at the association. Owners can find themselves facing a share of it, and that is a specific exposure worth discussing rather than discovering.
Flood remains separate here too. A ground-floor or low-rise coastal unit needs it quoted on its own terms.
AutoLife places this line with A-rated carriers from the office at 3691 Webber Street, Sarasota. Call 941-210-4499.
Other lines we place
Insurance coverage cannot be bound or changed via submission of any online form/application provided on this site or otherwise. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly by a licensed agent.