Florida Condo Insurance also known as an H06

While your condo association likely carries an insurance policy that covers their property and the physical structures as well as common areas
on the property, as a condo-owner, you want to ensure your property and possessions are adequately covered. From your appliances to your personal possessions to the upgrades you have added to the unit.  The Insurance Ladies partners with many insurance companies that complete Florida Condo Insurance.  Contact us today to find how we can help.

Standard Coverages to help protect you, your condo unit and your belongings

Medical Record Coverage in Your Insurance Policy
Guest Medical Coverage

If a guest is injured at your condominium

Property Coverage in Your Condo Policy

From to the front door to the inside of your condo.  It helps pay for repairs to the walls of your condo unit and its interior, wich could include items such as build in bookcases and fixtures, if damage is caused by a covered peril.

Liability Included in your Insurance Policy

If anyone is injured while visiting and you are at fault, having liability will help pay for the cost of litigation...

Personal Property Cover in your Condo Policy
Personal Property

Belongings such as electronics, appliances, furniture and clothing...

Two Important terms to understand

Actual Cash Value
which typically pays you for the depreciated value of your damaged belongings

Replacement Cost Coverage
which does not take depreciation into account.  This coverage helps reimburse you for the difference between the actual cash value of your belongings and what you paid to repair or replacement