# FloridaCondominiumInsurance.com > FloridaCondominiumInsurance.com is the Florida condo insurance site of Nymble Insurance LLC, a licensed agency. Nymble places HO-6 policies for every use (primary, long-term rental, Airbnb or VRBO, vacant, under renovation) and condominium association master policies. Approval and price depend on underwriting. - Operated by: Nymble Insurance LLC, licensed Florida insurance agency (license L131669, NPN 21626709) - Phone: (813) 291-3484 - Email: service@nymbleinsurance.com - Service area: Florida - Get started: https://floridacondominiuminsurance.com/#quote ## Key facts - Nymble Insurance LLC places Florida HO-6 unit-owner policies and condominium association master policies. - What a unit owner must insure depends on the master policy: bare walls, single entity or all-in. - Loss assessment coverage helps pay your share of covered association assessments; Florida requires at least $2,000 on unit-owner policies. - Rental, short-term rental, vacant and renovation use must be disclosed and written for that use. - Approval and price are set by underwriting and are never guaranteed. ## Pages - [Florida Condo Insurance | HO-6, Rentals, Airbnb & Association Master Policies](https://floridacondominiuminsurance.com/): Florida condo insurance has two layers: the association's master policy covers the building, and your unit-owner (HO-6) policy covers what the master policy doesn't, plus your belongings, liability and loss assessments. Nymble Insurance LLC places HO-6 policies for every use, from primary homes to Airbnb units, vacant units and renovations, and association master policies. - [HO-6 Condo Insurance in Florida | Walls-In, Contents & Liability](https://floridacondominiuminsurance.com/ho-6-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. - [Rented Condo & Airbnb Condo Insurance in Florida](https://floridacondominiuminsurance.com/rented-condo-units/): A condo you rent out needs a policy written for rental use: a landlord unit-owner form for long-term leases, or a policy that accepts transient guests for Airbnb, VRBO and direct bookings. Nymble places both. - [Vacant Condo & Builders Risk Insurance in Florida](https://floridacondominiuminsurance.com/vacant-and-renovation/): Standard condo policies often limit coverage once a unit has been vacant for a set period, and renovation adds new exposures. Nymble places vacant-unit policies and builders risk for condo renovations and construction, for owners and associations. - [Condo Loss Assessment Coverage in Florida | How Much Do You Need?](https://floridacondominiuminsurance.com/loss-assessment/): Loss assessment coverage helps pay your share when the association assesses owners after a covered loss, such as a large master-policy hurricane deductible. Florida requires unit-owner policies to include at least $2,000, and many owners choose higher limits. - [Condo Association Insurance in Florida | Master Policy, D&O, GL & Crime](https://floridacondominiuminsurance.com/condo-associations/): Condo association insurance protects the building, common areas and the board. A Florida program usually includes master property with wind, general liability, directors and officers, crime, umbrella, flood and workers compensation where needed. Nymble places association master policies and full programs. - [Condo Master Policy Explained | Bare Walls, Single Entity & All-In](https://floridacondominiuminsurance.com/master-policy-explained/): A condo master policy is the association's insurance on the building and common elements. How much of each unit it covers (bare walls, single entity or all-in) sets what your HO-6 must cover. - [High-Rise & Coastal Condo Insurance in Florida](https://floridacondominiuminsurance.com/high-rise-and-coastal/): High-rise and coastal condos face larger hurricane deductibles, water damage that travels between units, and flood exposure in lower floors and garages. HO-6 limits, loss assessment and a separate flood policy matter more here. - [Florida Condo Insurance FAQ](https://floridacondominiuminsurance.com/faq/): Short answers for Florida condo owners and boards. - [Photo credits | FloridaCondominiumInsurance.com](https://floridacondominiuminsurance.com/credits/): Credits and licenses for the photographs used on FloridaCondominiumInsurance.com. - [Privacy & Disclosures | FloridaCondominiumInsurance.com](https://floridacondominiuminsurance.com/privacy/): How we handle your information and our licensing disclosures. - [Florida Condo Insurance Blog | HO-6, Assessments & Associations](https://floridacondominiuminsurance.com/blog/): Guides for Florida condo owners and boards: HO-6, master policies, loss assessment, rentals, vacancy, renovation and condo safety rules. Each guide is written by Nymble Insurance LLC, a licensed Florida agency, and explains terms in plain language without promising coverage or price. - [HO-6 vs. the Master Policy: Who Covers What in a Florida Condo | FL Condo Insurance Blog](https://floridacondominiuminsurance.com/blog/ho-6-vs-master-policy-who-covers-what/): How to read your declaration and master policy so your HO-6 fills the right gaps. ## Frequently asked questions ### Is HO-6 insurance required in Florida? Mortgage lenders require it and many associations do too. Check your declaration and loan papers. ### Can I insure a condo I rent on Airbnb or VRBO? Yes. Tell us the platform and nights rented so the policy is written for that use. ### How much loss assessment coverage should I carry? Enough to cover your likely share of the master policy's hurricane deductible. Florida requires at least $2,000; many owners choose more. ### Do you insure condo associations? Yes: master property and wind, general liability, D&O, crime, umbrella and builders risk. See association insurance . ### Who is Nymble Insurance? Nymble Insurance LLC is a licensed Florida insurance agency (License L131669, NPN 21626709). One agency handles your quote, and your information is not sold. ### 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. ### Will a regular HO-6 cover my Airbnb condo? Often not. Disclose the rental so it's written correctly. ### Is a vacant condo covered by my HO-6? Possibly only for a limited time. Check the vacancy clause. ### Who buys builders risk? It depends on the contract. Share it with your agent. ### Is $2,000 enough? Often not in a coastal building with a large hurricane deductible. Ask your association for the numbers. ### Can you quote our master policy? Yes. Use the form here or call (813) 291-3484 with your current declarations and renewal date. ### Do you place D&O for condo boards? Yes, along with crime, GL and umbrella. ### Do I need flood insurance on a high floor? Your unit may not flood, but common areas and assessments can. Ask your agent. ### Who writes these articles? Nymble Insurance LLC, a licensed Florida insurance agency (License L131669, NPN 21626709). The articles are general information, not legal advice or a description of any specific policy. ### Can I get a quote after reading? Yes. Use the quote form or call (813) 291-3484. Approval and price depend on underwriting.