HO-6 vs. Condo Master Policy: Who Covers What in Florida
Confused by Florida condo insurance? Learn exactly where your HOA master policy ends and your HO-6 walls-in coverage begins to prevent costly gaps.
Last updated: October 19, 2026
What does an HO-6 condo policy cover in Florida?
An HO-6 covers everything from your walls in — interior finishes, your belongings, your liability, and loss assessment for your share of association claims. The association's master policy covers the building's shell and common areas; where one ends and the other begins lives in your association's documents.
Every Florida condo is insured twice: once by the association’s master policy, once by yours. Almost every expensive surprise comes from misunderstanding the line between the two. That line is not the same in every building. The smartest money a condo owner spends is an hour understanding it before a claim, not after.
Where the Master Policy Ends and Yours Begins
Master policies come in flavors. A “bare walls” master stops at the unfinished structure, so your cabinets, flooring, and fixtures are yours to insure. An “all-in” master reaches further into the unit. The difference can move tens of thousands of dollars of exposure from the association’s policy to yours. You never sign anything for that to happen, because the association chooses the master policy, not you.
What an HO-6 Policy Actually Covers
An HO-6 carries four jobs: the interior build-out from the walls in, your personal property, and your liability. It also pays additional living expenses if a covered loss pushes you out. Most owners over-focus on the first and under-buy the second. A unit’s contents add up faster than people expect. Our free personal property calculator puts a real number on yours in a few minutes.
Loss Assessment Coverage for Florida Condos
When the association’s own insurance falls short after a major loss, the shortfall gets divided among the owners. That is a special assessment. Loss assessment coverage on your HO-6 pays your share of that bill. In Florida, association claims after storms routinely outrun master policy limits, which makes it the quiet hero of the whole policy. It is also usually cheap to raise from its default limit.
My Safe Florida for Condo Associations
Florida runs a My Safe Florida program for condominium associations. It offers free wind mitigation inspections and matching grants that help associations harden roofs, openings, and common structures against hurricanes. Stronger buildings mean fewer association claims, fewer assessments, and better master-policy terms. That flows straight back to what unit owners pay. Funding windows open and close, so associations should check the program’s current status directly.
How to Read Your Association’s Documents
Before quoting an HO-6, two answers matter: what type of master policy the building carries, and what the declarations make the unit owner responsible for. Those two answers decide your dwelling limit and how much loss assessment coverage makes sense. Bring them to a licensed agent and the quote becomes precise instead of generic. Our condo insurance team compares carriers that actually write your building’s profile.