HO-6
HO-6 condo insurance for Florida unit owners
An HO-6 is the policy for a condo unit owner. In Florida it covers the parts of the unit the master policy doesn't, usually interior finishes, fixtures and improvements, plus belongings, liability, loss of use and loss assessments. Nymble places HO-6 policies for every type of use.
How to size walls-in coverage
- Get the declaration and master policy summary
- List what's yours: flooring, cabinets, counters, fixtures, upgrades
- Estimate replacement cost including labor
- Match your building limit to that total
Water damage
Water from a burst pipe or the unit above is a common condo claim. Ask how your policy handles water damage, mold limits and long-term leaks.
Hurricane deductibles
Your HO-6 has its own hurricane deductible, and you may also be assessed for part of the master deductible.
Coverage depends on the policy, the insurance company and underwriting approval. Nothing here is a promise of coverage or price.
Common questions
HO-6 vs. master policy?
The master policy covers the building and common areas; the HO-6 covers your unit's interior responsibilities, belongings and liability.
Does HO-6 cover flood?
No. Flood is a separate policy.