Florida Condo Insurance

When you own a Florida condominium unit, you must insure your interior, your contents, and your own personal liability.

The unit owner must insure the following interior items:


  • Floor, Wall, and Ceiling Coverings

  • Electrical Fixtures

  • Appliances

  • Water Heaters

  • Water Filters

  • Cabinets and Counter tops

  • Window Treatments, Blinds, Drapes


Plus, the unit owner must insure their own contents:


  • Furniture

  • Dishes, Pots, Pans

  • Clothes and Bedding

  • TVs, Computters, Electronics

  • Appliances


Florida condominium unit-owner policies generally include $300,000 in personal liability coverage. However, depending on your personal financial situation, you may need a personal umbrella policy as well.

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