Affordable Condo Insurance in Miami Florida

Miami, Florida Condo Insurance

 

Get the right protection for your condo with American US Insurance—affordable, reliable, and tailored to your needs.

Why Condo Insurance Is Essential

Owning a condo comes with unique risks that standard homeowners or renters' insurance doesn’t fully cover. Condo insurance—also known as HO-6 insurance—protects the interior of your unit, personal belongings, and personal liability, while your condo association’s master policy covers the building’s exterior and shared areas.

At American US Insurance, we help condo owners stay covered with flexible, affordable policies designed just for you.

What Does Condo Insurance Cover?

Our customized condo insurance plans typically include:

  • Personal Property Coverage
    Protect your furniture, electronics, appliances, and clothing from fire, theft, or damage.

  • Building Property Protection
    Covers upgrades like kitchen cabinets, flooring, or fixtures that are not included in the association’s policy.

  • Liability Coverage
    Helps with legal and medical expenses if someone is injured in your unit or you accidentally cause damage to another unit.

  • Loss of Use
    Pays for temporary living expenses if your condo becomes uninhabitable due to a covered loss.

  • Loss Assessment Coverage
    Helps cover your share of damage to common areas if the condo association’s policy isn’t enough.

Benefits of Choosing American US Insurance

  • ✅ Competitive Condo Insurance Rates

  • ✅ Local Agents Who Understand Your Needs

  • ✅ Fast, Easy Claims Process

  • ✅ Customized Coverage Options

  • ✅ Multi-Policy Discounts Available

We’re committed to providing affordable condo insurance without sacrificing coverage or service. Whether you’re a first-time condo buyer or looking to switch providers, we make the process smooth and straightforward.

Who Needs Florida Condo Insurance?

If you own a unit in a:

  • Condominium

  • Townhouse

  • Co-op

…then condo insurance is not just smart—it may be required by your lender or association. Don't leave your investment vulnerable. Get coverage that fills the gap your HOA’s master policy leaves behind.

Frequently Searched Questions

Q: Is condo insurance required by law?
A: No, but lenders and condo associations often require it to protect your unit and personal liability.

Q: What’s the difference between homeowners and condo insurance?
A: Homeowners' insurance covers the entire structure and property; condo insurance only covers your individual unit and belongings.

Q: Can I bundle condo insurance with auto or life insurance?
A: Yes! Save more by bundling policies with American US Insurance.

Get a Free Condo Insurance Quote Today

Protect your condo—and everything in it—with a policy built around your life. Contact American US Insurance for a fast, personalized quote.

Call us at 1-800-868-9170
Visit us at 12150 SW 128th Ct Ste 202, Miami, FL 33186
Or get started online in minutes.

Condo Insurance in Miami, Florida

At American US Insurance, we partner with top-rated insurance carriers to provide reliable condo insurance that protects what matters most. We proudly serve condo owners across Florida, including Miami, Fort Lauderdale, Jacksonville, Orlando, Palm Beach, and Tampa