About This Website
A licensed insurance agent runs this website to help condo and co-op unit owners see what the master policy leaves to them, then compare HO-6 coverage before anyone talks price.
Who that agent is, and how to check the license yourself, is in the disclosure below.
- One call, not ten
- Several companies shopped for you
- No obligation: a quote never binds
Agent disclosure: who is behind this site
Know exactly who you are dealing with, and check the license yourself in a public record.
- Licensed insurance agent, public record
- Look it up in the DFS licensee search
- Not an insurance company; a quote never binds
Matt Williams holds a Florida insurance agent license. His record at the Florida Department of Financial Services is under the name Matthew Williams, and anyone can look it up by name in the DFS licensee search at licenseesearch.fldfs.com.
Quotes are offered for condo and co-op units in Alabama, Delaware, Florida, Georgia, Illinois, Indiana, Iowa, Maryland, Massachusetts, Michigan, Minnesota, New Hampshire, New Jersey, New York, North Carolina, Ohio, Pennsylvania, South Carolina, Virginia and Wisconsin. Outside Florida, Matt places coverage through the licensed agency he works with, or refers your request to an insurance agent licensed in your state. Either way, a licensed agent for your state handles your quote.
Matt compares coverage from multiple carriers. This site does not name them, and it does not rank or recommend one carrier over another.
This website is not an insurance company. It does not issue policies and does not bind, cancel or change coverage. A quote is an offer to review, and nothing changes until you accept a policy and the carrier puts it in force.
The site has no walk-in location. Contact is by phone and through the quote request form.
Every number here traces to an official source
You can check any number or state rule on this site against where it came from.
- Footnoted right where it appears
- Listed with the date it was last checked
- Unverified law is left out, not guessed
Every number and every state rule on a page comes from an official source. The page's source list names it, with the date it was last checked.
Policy forms differ, so every page tells you to check your own policy where the answer depends on its wording.
Go deeper: which sources count, and what goes without a footnote
Official sources are a state statute or regulation, a state insurance department, a state residual market plan, a federal agency or a published lender guide.
Explanations that hold for condo insurance everywhere, such as how a master policy and an HO-6 fit together, are written in plain words without a footnote. Where a state's law is not verified, the page says less rather than guess.
You decide who may contact you, and how
The quote request form names exactly who may call or text you about it.
- The agent identified in the disclosure above
- Consent is not a condition of purchase
- Reply STOP to opt out of texts
The form asks for your consent before it can be sent. That consent names the licensed agent identified in the agent disclosure above as the person who may call or text you about your request, including by automated means.
The privacy policy explains what the form collects and where it goes.
Site and agent questions
Is this website an insurance company?
No. It is a marketing website run by a licensed insurance agent. It does not issue policies and does not bind, cancel or change coverage; the carrier you choose does that, and only after you accept a policy.
Does a quote request bind coverage?
No. Sending the form or talking through a quote does not bind, cancel or change any policy. Coverage starts only when you accept a policy and the carrier issues it, and your current policy stays as it is until then.
Which carriers does the agent compare?
The agent compares multiple carriers and does not name them on the site. Which ones write a policy for your unit depends on the state, the building and how you use the unit, and you see the same limits side by side before you decide.
Where do the sources on each page come from?
From official publications: statutes, regulations, insurance departments, residual market plans, federal agencies and lender guides. Each fact is footnoted where it appears and listed at the bottom of the page with the date it was last checked.