Condo Insurance Florida

The Condo Insurance Florida Needs

Condo ownership offers the perfect blend of independence and convenience, but it also comes with unique responsibilities.

Both condo insurance and homeowners insurance are designed to protect the things that matter most to you—from your personal belongings to your liability and everything in between. However, condo insurance is tailored specifically to the risks that threaten you the most.

At Harry Levine Insurance, we make it easy to get the coverage you need at a price you can afford. As an independent insurance agency, we’re not tied to a single carrier, which means more options, better policies, and a perfect fit for your lifestyle. Whether you’re a first-time condo owner or looking to upgrade your protection, our experienced team is here to help every step of the way.

Ready to protect your condo and everything in it? Contact us today to get started with a free, no-obligation quote and see why Florida condo owners trust HLI for their insurance needs.

More Options, Better Coverage

As an independent insurance agency, we’re not limited to a single carrier. As a result, you get the coverage that fits your exact needs for the best price.

Your Condo Insurance Experts

As a second-generation insurance company, we eat, sleep, and breathe insurance and we put that experience to work for you.

Custom Coverage

No two people have the same insurance needs. We get into the nitty-gritty to find the exact policies that are right for you.

Coverage For Life

From cars to condos and beyond, HLI is your source for top-quality coverage, no matter where life takes you.

What Makes Condo Insurance Different?

The condo association’s master policy typically handles the building’s exterior and common areas. But what about everything else?

That’s where condo insurance comes in.

Condo insurance (also generally known as an HO-6 policy) is uniquely designed to meet the needs of condo owners. Unlike homeowners insurance, which covers an entire property, condo insurance focuses on protecting only what’s yours—from the walls inward.

Often referred to as “walls-in” coverage, condo insurance protects the elements inside your unit that are your responsibility, such as floor coverings, cabinets, plumbing fixtures, appliances, and personal belongings. Similar to renters insurance, it also includes personal liability, ensuring you’re protected if someone is injured in your condo (and often beyond) or if your belongings are damaged or stolen.

At Harry Levine Insurance, we help condo owners navigate these differences to find policies that fit their unique needs. From covering your personal belongings to offering additional protection for loss assessments or temporary living expenses, our team ensures you’re fully prepared for the unexpected.

The Coverage You Need

On Your Terms

At Harry Levine Insurance, we believe that understanding your coverage is just as important as having it. That’s why we take the time to discuss your unique needs and match you with the best carriers and policies to ensure you’re fully protected.

Condo insurance is more than just a policy—it’s peace of mind knowing you have the right protection for your home and belongings.

Here’s what condo insurance covers:

Personal Liability Insurance: Protects you if you’re held legally responsible for injuries or property damage to others, such as a guest slipping in your home.
Loss of Use Coverage: Covers additional living expenses if your condo becomes uninhabitable due to a covered loss, such as a fire or flood.
Loss Assessment Coverage: Helps cover your share of special assessments if the condo association’s master policy exceeds its limits.
Tenant Discrimination Insurance: Protects you if a tenant sues you for discrimination, applicable to condo owners renting out their unit.

Please note that these coverages are not included in your condo association’s master policy—it is your responsibility to purchase this protection for yourself. With the right policy, you’ll have the liability protection and peace of mind you need as a condo owner.

Your Condo Insurance

Experts

For many condo owners, purchasing condominium insurance may feel like just another box to check. But if you’re buying directly from an insurance company, you could be missing out on key coverage options that protect your home and belongings.

At Harry Levine Insurance, we take a different approach. As an independent insurance agency, we’re not tied to a single carrier, which means we can find the perfect type of coverage for your unique needs. Whether it’s ensuring you’re protected with liability coverage for being responsible for someone else’s injuries, or securing a policy that provides full replacement cost for your belongings, we’re here to help you navigate your options with confidence.

With more than 30 years of experience serving Central Florida, our reputation is built on honesty, integrity, and a commitment to personalized service. When it comes to finding the best condo insurance for your needs and budget, you can trust us to provide the expertise and care you deserve.

Contact us today to learn more about protecting your condo with tailored insurance coverage that works for you.

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