Condo Insurance
Protection That Fits Your Condo—and Your Life
Condo living in Florida comes with unique insurance questions—what’s covered by your HOA, what’s your responsibility, and what happens when storms hit? LIG Specialty Insurance is your neighborhood resource for clear answers and tailored condo coverage, delivered with the relationship-first service you expect from a boutique, family-run agency.
We help you coordinate with your HOA, review your master policy, and cover what matters most—from your unit’s interior to your personal belongings and liability.
What Does Condo Insurance Cover?
Building Property (Walls-In Coverage)
Protects everything from your unit’s walls inward—fixtures, flooring, cabinets, and built-ins that your HOA’s master policy may not include.
Personal Property
Covers furniture, electronics, clothing, and valuables inside your condo.
Liability Protection
Shields you if someone is injured inside your unit or if you accidentally cause damage to another unit or common area.
Loss of Use
Pays for hotel stays or extra expenses if a covered event makes your condo unlivable.
Assessment Coverage (Loss Assessment)
Helps pay your share if your HOA issues a special assessment for covered losses to shared areas.
Optional Coverages
Add-ons available for valuables, water backup, identity theft, and more.
We walk you through your HOA documents to identify what’s covered, explain where you’re exposed, and build coverage that fills the gaps.
Who Needs Condo Insurance?
- Condo owners in Casselberry, Orlando, and Seminole County who want honest, local advice
- Business clients and their families looking to bundle all personal lines with one trusted agency
- New condo buyers navigating HOA requirements and Florida insurance rules
- Anyone unsure what their HOA covers or who wants help comparing policies
Our clients often come to us for business coverage and stay for personal protection—one team, all your needs, handled together.
Florida-Specific Considerations
- Hurricane & Storm Risks: Condo owners still face big exposures from wind, water, and storm damage—even with an HOA master policy.
- Master Policy Gaps: Many Florida HOAs have high deductibles or limited interior coverage—leaving you with unexpected bills if you’re not prepared.
- Flood Exclusion: Standard condo insurance doesn’t cover flood. We review your flood zone and recommend separate coverage if needed.
- Assessment Risks: Condo associations may pass along significant costs for repairs or storm damage to all unit owners—loss assessment coverage helps protect you.
We make sure your coverage is built for Florida’s unique realities—not just the bare minimum
Condo Insurance vs. Homeowners or Renters Insurance
- Condo Insurance (HO-6): Designed for unit owners—covers the interior of your unit, your belongings, and liability.
- Homeowners Insurance: For single-family homes; covers the structure, property, and liability.
- Renters Insurance: For tenants—covers belongings and liability only.
If you’re unsure which fits your situation, we’ll review your needs and HOA documents with you.
Frequently Asked Questions – Condo Insurance
Does my HOA’s master policy cover my unit?
Usually only the structure and shared areas. Most interior elements—flooring, cabinets, personal property—require your own policy.
Do I need loss assessment coverage?
Highly recommended in Florida. HOAs often assess owners for damages after hurricanes or major claims.
Is flood insurance included with condo insurance?
No—flood coverage is always a separate policy. We’ll check your risk and recommend next steps.
Can I bundle my condo insurance with auto or business coverage?
Absolutely. We help business clients and families save by bundling everything with one trusted team.
Ready for Condo Insurance That Works for You?
Let’s review your HOA requirements, check for gaps, and get your condo fully protected—always with expert, personal support.