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Our insurance agency is located at 7448 Aloma Avenue, Suite 1, Winter Park, Florida. Stop by or call us today at 407-671-4900 for your free quote.

Condominium Insurance

As a condominium unit homeowner, you have special insurance needs unlike other homeowners. The unit owner shares responsibility with other unit owners for common areas. Customarily, a condominium association purchases a master policy that covers these common areas which includes the exterior building, common grounds and walkways surrounding the premises and collects a monthly payment that goes towards insurance of these areas.

A special HO-6 policy will offer coverage for the individual condo owner to insure the unit. The policy will cover:

Personal property damage (contents - 100% replacement cost endorsement or depreciated value)

personal liability

damage to building - studs in (its interior walls, flooring, cabinets, appliances)

loss of use

Below is a partial list of optional endorsements which may be purchased in addition to your basic policy.

Condominium optional endorsements
Increase ordinance and law coverage

Replacement cost on contents

Personal injury
Scheduled personal property
Increased hurricane deductibles

Many of our policies also include various deductibles and payment plans, as well as coverages for a range of dwelling values. Your policy can be customized to protect your property from any hazards or natural disasters.

For a free homeowner's quote, you may either call us at the phone number at the top of this page or contact us by email.

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Disclaimer: The information on this site is intended to provide Florida residents with a general knowledge of what may be available and is subject to terms, conditions, and exclusions stated in the policies. Coverage is subject to specific limitations; therefore, the customer should consult their policy for details on conditions, exclusions, and limits.

Walter Umphrey, Agent/Owner




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