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Panama City Beach, FL 32407

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Florida Condo Insurance Coverage

Condo Insurance in Florida

If you own a condo in Florida, you must consider condo insurance to help address the shortcomings of the condo owners association (COA) master policy. While you may be making contributions to your COA, this master policy covers the exterior of your condo and injuries occurring to visitors in common areas. Given the COA master policy gaps, you need individual condo insurance from Hall Insurance for well-rounded protection.

Types of condo insurance in Florida

The most common condo insurance coverages include:

  • Dwelling coverage: This insurance policy protects the inside of your building, including the walls, floors, ceiling, and other fixtures.
  • Personal belongings coverage: Protects your assets such as appliances, electronics, furniture, and clothing from damage or loss from perils like fire, smoke, theft, and many more.
  • Loss of use: Assume that your condo suffers damage from a covered peril like fire. You will have to look for temporal shelter as your condo is undergoing repairs. In the process, you will incur additional costs like travel and hotel costs. Thankfully, condo insurance can help cover such costs.
  • Personal liability: Suppose you throw a party in your condo, and an intoxicated guest slips and injures their leg? You could face medical expenses and possible legal suits from the injured person. The good news is that your condo insurance policy can cover third-party-related costs.

Given that condo insurance doesn’t cover the exterior of your building, it’s surprisingly affordable. If you would like comprehensive condo insurance coverage, contact us today, and we will help you get protected.

Condo insurance exclusions

Typical condo insurance won’t cover the below:

  • Damage to the building’s exterior, common areas, and other structures
  • Perils like floods, earthquakes, and government demolitions
  • Condo building owners

To avoid a nasty experience when disasters strike, it’s vital to carefully go through your condo insurance policy to establish what is not covered.

Buy condo insurance today.

Are you shopping for an affordable condo insurance plan in Panama City Beach, FL, and its surrounding area? You can trust Hall Insurance for all your condo insurance solutions. Contact us today for a competitive quote.


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