Condominium Insurance Quote Forms
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Condominium Insurance Information
Condo insurance, often called HO-6 insurance, is crucial if you own a condo. Having sufficient HO-6 coverage is essential for financially protecting yourself and your condo as condo-related incidents can be economically burdensome to recover from without insurance.
What Is Condo Insurance?
Like homeowners insurance, HO-6 insurance is a policy that condo owners get to reduce the possibility of covering out-of-pocket expenses following a condo-related accident. Fires, weather damage and medical expenses are a few examples of incidents in which condo insurance may assist you in covering expenses.
What Does Condo Insurance Cover?
Policies vary among condo owners, but standard HO-6 insurance may include coverages such as:
- Dwelling coverage can help pay for damage to the interior structure of your condo, including its permanent fixtures and flooring, after losses caused by covered perils such as severe weather and fires.
- Personal property coverage may assist in covering expenses related to damaged or lost personal belongings, including clothing and furniture, that you keep inside your condo.
- Personal liability coverage can assist in covering expenses (e.g., medical bills or legal expenses) if you are responsible for others’ bodily injuries or property damage (e.g., if someone gets injured inside your condo).
- Additional living expenses coverage applies to living expenses, such as a hotel room, if damage occurs to your condo and you cannot live there while it’s being repaired or rebuilt.
Speak to an agent at Mr. Auto Insurance to learn more about potential coverages to include in your condo insurance policy.
Is Condo Insurance Required?
Condo insurance is not mandated by Florida law, but some condo associations may require you to carry some type of policy. Even if you’re not required to have coverage, doing so may limit your chances of covering high out-of-pocket expenses after an incident.
If you are a condo owner near Haines City, Florida, the dedicated agents at Mr. Auto Insurance can help you find out about potential condo insurance options to assist you in selecting the right policy for your unique situation.
Contact our agency today at 888-249-5464 for more information.