FL-Condo Insurance.com - Fast, Free florida condominium insurance quotes for FL condo and  homeowners.
FL-Condo Insurance.com - Fast, Free florida condominium insurance quotes for FL condo and  homeowners. ONLINE QUOTES:  Condominium | Homeowners | Landlords Insurance | Renters Insurance | Flood Insurance | Automobile

About Our Agency & Our
Condominium Insurance Services

About Our Company at Diaz Insurance

We are Condo Insurance specialists!   We know the risks you face and the coverage you need!   With over 20 years of experience serving Condo Unit Owners throughout the Sunshine State, we can help you find the best coverage available at the lowest price.

Call us today or fill out our web form to get a fast free no-obligations quote! FL-CondoInsurance,com is owned and operated by Diaz Insurance, Inc. We are an Independent Insurance Agency located in South Florida serving all of Florida.  

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» Condo Insurance Buyers Guide
» Condo Insurance FAQ

Our typical Condo Unit Owners Insurance policy will provide coverage for:

  • The Interior finish/structure of your unit (flooring, cabinets & counters, bathrooms, etc.)
  • Your Contents or Personal Property inside your unit (TVs, Computers, Furniture)
  • The Loss of Use or Additional Living Expenses as result of a covered loss, and
  • Liability arising out of ownership of the condo as defined by the policy.

    Look At These Condo Rate Samples!

  • Miami-Dade County Condo Unit: $15,000 Dwelling Coverage; $6,000 Contents Coverage; $100,000 Liability - Annual cost of $328

  • Broward County Condo Unit: $25,000 Dwelling Coverage; $20,000 Contents Coverage; $100,000 Liability - Annual cost of $392

  • Orlando, FL Condo Unit: $35,000 Dwelling Coverage; $25,000 Contents Coverage; $300,000 Liability - Annual cost of $298

    We are condo insurance specialists! Call for a FREE Condo Quote NOW!
    305-222-9895
  •  

    Condo Unit Owners Insurance FAQ
    (Frequently Asked Questions)

    Q. My condo association has a master insurance policy, why do I need my own policy?

    A. The association’s policy only covers the common areas.  The interior finish/structure of your unit, its contents, and the liability arising out of it are your responsibility.  A Condo Unit Owners Policy, Form HO-6, is purchased by the unit owner to address this exposure.

    Q. How much does a Condo Unit Owners Insurance policy cost?

    A. The cost of a Condo Unit Owners Policy is typically significantly lower than the cost of a Homeowners Insurance policy.  This is in part because you are not insuring the roof or exterior walls.  Most unit owners are very pleasantly surprised as to how economical this coverage is.

    Q. What does a Condo Unit Owners Insurance policy cover?

    A. Your typical Condo Unit Owners Insurance policy will provide coverage for:

  • the Interior finish/structure of your unit (flooring, kitchen cabinets & counters, bathrooms, etc…)
  • your Contents or Personal Property inside your unit (TVs, Computers, Furniture)
  • the Loss of Use or Additional Living Expenses as result of a covered loss, and
  • Liability arising out of ownership of the condo as defined by the policy.

    Q. What determines the cost of my Condo Unit Owners Policy?

    A.  The cost of the policy varies depending on the location and characteristics of the condo building and unit, the amounts of coverage selected, and the deductibles or coverage options requested.  The cost is also impacted by the presence (or absence) of discount generating features such as Fire/Burglar Alarm, Storm Shutters, and Sprinkler system.

    Q. What is a Wind Mitigation Inspection?

    A.  This is an inspection that is done to determine the Wind Mitigation features of the property including storm shutters, roof, and type of construction.

    Q. What information will I need to get a quote?

    A. Your agent will want to know the square footage of the unit, the number of stories, the number of units, and the year of construction of building.  You will also be asked to select the amount of coverage that you need/want for Interior Structure and for Personal Belongings.

    Q. How quickly can I get a quote?

    A. You can typically get a quote the immediately or the very latest the same day if all of the information needed to quote is available at the time you request a quote.

    Q. I am renting my unit out, do I need Condo Unit Owners Insurance coverage?

    A. Yes. You would probably transact the policy with less coverage for Contents if renting the unit out unfurnished and with the “Unit Owners Rental to Others” endorsement.  The policy continues to offer the same coverage but only as it pertains to protecting your interests.  The tenant would need to get Renters Insurance to protect theirs.

    The above description of coverage is intended for informational purposes only. It does not constitute a legal representation of coverage. Please consult your actual policy for the terms and conditions applicable to your insurance contract.

    Please feel free to call our quote line for immediate assistance at:

    305-222-9895

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