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Learn about Condo Insurance

You won't believe how affordable our condo insurance rates are. Get a quote from our agency today and protect your belongings from fire, theft, and other losses.

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What is Condo Insurance?

Condo Insurance is designed for individuals who live in a unit structure owned and insured by a condo association, townhouse association cooperative, homeowner's association, planned community or other similar type of organization. 

The insurance the association provides only covers the outside dwelling, not the contents of your unit, so it's important to consider purchasing this type of insurance to protect against personal property losses and liability

Characteristics of a Condo Insurance Policy:

Condominium Master Insurance Condominium communities are composed of individual residences and the buildings housing them, plus any land and outbuildings such as clubhouses. People owning condominiums also own a piece of their condo communities, with those communities administered by associations. Condominium owners normally pay fees or dues to their condo associations for maintenance of building exteriors, roads, walkways and for a master insurance policy. A condo community's master insurance policy covers loss and casualty against building exteriors and common areas such as roads and clubhouses.

HO-6 Condominium Insurance An individual condominium unit's insurance is paid for by that unit's owner. Most mortgage lenders require condo mortgage borrowers to buy HO-6 insurance policies covering their units' interiors against loss and casualty. HO-6 condo insurance comes in two coverage levels: "bare walls-in" and comprehensive "all-in." Bare walls-in condo insurance covers a unit from its exterior framing inward, but not its fixtures and installations such as sinks. Bare walls-in HO-6 insurance polices are the minimum required by condo mortgage lenders.

Insurance Coverage Levels Generally, mortgage lenders require individual condo unit insurance coverage to be at least 20 percent of the covered unit's appraised value. For example, a condominium appraised at $200,000 would require at least $40,000 of unit insurance coverage. Your lender won't require you to insure your condominium to its full appraised value because your condo's master insurance covers much of its structure. HO-6 condo insurance is also less expensive than traditional homeowner's insurance because condominiums are partially covered by their master insurance policies.

Adding Insurance Coverage Always take care to insure your condominium's interior not only for the cost to repair or replace it but also for its contents. Contents in a condominium include any jewelry, electronics, furniture, area rugs or anything else of value you prize. Additionally, read through your condo association's master insurance policy and note its deductibles and coverage levels. You can add coverage to your unit's HO-6 condo insurance policy to cover flooding or even association insurance deductibles, if you'd like.
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Citizens: Condominium Brochure
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6650 W. Indiantown Rd.
Jupiter, FL 33458


(561) 768-8176

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11811 North Freeway, 
Houston, TX 77060

(713) 487-5538

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