Florida condo master policies 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.

The three common setups

Bare walls

Association insures structure; owners insure interiors.

Single entity

Association also insures original fixtures; owners insure upgrades.

All-in

Association insures structure, fixtures and improvements.

Where to find it

The declaration, bylaws and current master policy declarations page.

Coverage depends on the policy, the insurance company and underwriting approval. Nothing here is a promise of coverage or price.

Get my condo quote

Or call (813) 291-3484.