Condo Insurance in Florida

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Protect your investment, your belongings, and your peace of mind with tailored condo insurance coverage you can trust.

Owning a condo in Florida comes with unique risks, from hurricane season to HOA limitations, and standard homeowners insurance doesn’t cover what you need. That’s why condo insurance (also known as HO-6 insurance) is essential to fully protect your unit and everything inside it.

At Fisher Financial Services, we help Florida condo owners get the right protection at the right price. With years of experience and a deep understanding of local risks, our independent agents are here to guide you through every detail — so you’re never left wondering what’s covered.

What Does Condo Insurance Cover?

While your HOA may carry a master policy for the exterior of the building, your personal property and interior space are your responsibility. That’s where condo insurance steps in.

A typical condo insurance policy includes:

  • Dwelling Coverage (Interior Unit): Protects walls, floors, fixtures, and built-in upgrades not covered by the HOA master policy

  • Personal Property: Covers furniture, electronics, clothes, and valuables from theft, fire, or storm damage

  • Loss of Use: Reimburses living expenses if your condo becomes uninhabitable due to a covered event

  • Personal Liability: Protects you financially if someone is injured in your unit or you cause accidental damage to another unit

  • Medical Payments to Others: Covers minor guest injuries in your home, regardless of fault

We’ll review your HOA documents with you to help determine exactly where your responsibility starts — and make sure your policy fills in the gaps.

Why Fisher Financial?

  • Independent, Florida-based agents with local condo insurance expertise

  • Personalized policy reviews — we explain every coverage option in plain English

  • Trusted access to top-rated insurance carriers

  • Experience navigating condo insurance for primary residences, second homes, and vacation condos

  • Fast, friendly support from a team that treats your goals like our own

Fisher Financial Services offers free quotes.

Call now to learn how Fisher Financial Services can help you and your family today!

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