Your one stop for condo insurance.
Stop calling agent after agent for one quote each. One call, and a licensed agent shops your HO-6 with several insurance companies, A-rated options included, then lays the offers side by side. You pick.
You are in the right place. Keep reading for the answer, or call and let the shopping start now.
Miami condo unit owners
Condo Insurance Miami
The licensed agent behind this site lines up HO-6 quotes from several companies for Miami condo owners, and the short version is this: in a high-rise, the master policy and your declaration decide where the building's coverage ends and yours has to begin.
Florida law assigns the unit's interior finishes to you, and in Miami-Dade County the wind deductible on the building can travel to owners as an assessment.
- One call, not ten
- Several companies shopped for you
- No obligation: a quote never binds
Compare my condo quotes
Several companies, side by side. You decide.
In a Miami high-rise, the master policy draws the line
A large building runs on one master policy. Find its edge and you know exactly what your HO-6 has to carry.
- Big buildings mean one shared master policy
- The declaration sets the finer boundaries
- Florida's statute names what stays with you
Census estimates place 48.8 percent of housing units in the city of Miami in buildings of 20 or more units (ACS 2020-2024)1.
For Miami-Dade County as a whole, that share is 33.8 percent2.
Living in a tower means sharing one master policy with every neighbor. It insures the structure and common areas; your HO-6 picks up whatever that policy is told to leave out.
Florida spells out that list: the association's coverage must exclude your personal property and, inside the unit, floor, wall and ceiling coverings, electrical fixtures, appliances, water heaters, water filters, built-in cabinets, countertops and window treatments, replacements included3 (Fla. Stat. § 718.111(11)(f)3.3).
Go deeper: reading the insurance clause of a high-rise declaration
Responsibility for those items, and for any insurance on them, sits with the unit owner4 (Fla. Stat. § 718.111(11)(f)3., (g)4). The statute assigns the job; it does not, on its own terms, force you to buy a policy.
The Census count behind the city share is an estimated 109,314 units in buildings of 20 or more units5.
What a tower declaration usually settles for the unit owner
- Where the unit ends. The declaration describes the unit boundaries, often at the unfinished surface of walls, floors and ceilings.
- Shared equipment. A water heater or fixture that serves more than one unit is not part of your list. Ask how the board treats it.
- Your share of the building. Your percentage interest in the common elements is printed there. It drives your part of any assessment.
The Florida condo insurance overview walks through the full statute, and the HO-6 insurance guide explains each coverage part.
Building age turns reserves into a line on your bill
An older condo building brings structural studies, reserve funding and, at times, special assessments. Your HO-6 answers only some of those.
- Find the year your own building went up
- Reserve money for study items stays protected
- Loss assessment pays for losses, not upkeep
For housing in the city of Miami, the median year built is 1979 (ACS 2020-2024)6.
Across Miami-Dade County the median is 19807.
A median splits the stock in half, so your own building can sit well on either side of it. Its year matters more to you than any citywide figure.
For budgets adopted on or after Dec 31, 2024, owners in an association that must have a structural integrity reserve study (SIRS) cannot vote to skip or shrink reserves for the study's items, nor spend that money elsewhere8 (Fla. Stat. § 718.112(2)(f)2.b., 3.8).
Enter the master policy deductible and your share to see what a building loss could ask of you.
Loss assessment calculator
Math only. Enter the association's master-policy deductible and your share of the association (from the declaration). The result is what your share of that deductible would be, compared with the loss assessment limit you carry.
Whether your loss assessment coverage pays an assessment for the association's deductible depends on your policy form. Ask before you rely on it.
Go deeper: which assessments your HO-6 can answer and which it cannot
Florida sets a floor for this coverage: a unit-owner policy must include at least $2,000 of loss assessment coverage, a single limit for every assessment from the same direct loss, as long as your policy covers that type of loss9 (Fla. Stat. § 627.714(1)9).
- A covered loss. If a storm damages the building and the board assesses owners for the uninsured part, your loss assessment coverage may respond, subject to your form.
- A reserve gap. Catching up on reserves or paying for planned structural repair is upkeep, not a loss. Your HO-6 generally stays out of it.
- Stages share one limit. If the board levies in rounds after one event, those rounds draw on the same limit.
The reserve rule carries a narrow exception for a multicondominium using an alternative funding method the state's condominium division approved.
Buying in an older building? Ask the board for the latest SIRS, the current budget, any recent structural inspection report and any assessment already voted or planned. The loss assessment coverage guide shows how to size your limit.
Citizens as a fallback: check the value test first
If private companies pass on your unit, Florida's residual market may write it. Two conditions decide whether it fits a Miami owner.
- Written for owners who live in the unit
- Dwelling plus contents carries a value ceiling
- Some counties qualify for a higher ceiling
For an owner who lives in the unit, Citizens lists an HO-6 and its wind-only sibling, the HW-6. That coverage takes in certain interior features, your belongings, added living costs and liability, and leaves the outside of the building alone10.
Then the math. Once dwelling plus contents replacement cost hits $700,000, Citizens turns the unit away. In a county the Office of Insurance Regulation has found short of reasonable competition, the line moves up: any unit under $1 million can qualify11 (Fla. Stat. § 627.351(6)(a)3.11).
In an order dated December 22, 2014, the Office of Insurance Regulation found that a reasonable degree of competition did not exist in Miami-Dade and Monroe Counties12.
Ask Citizens which ceiling it applies to your unit before a closing depends on the answer.
Go deeper: when Citizens may not fit your Miami condo
- Renting it out or using it part of the year. Citizens describes its unit-owner policy for owners who live there. Ask how it treats your use before you count on it.
- Adding up the value. The test combines dwelling and contents, so add your Coverage A and Coverage C.
- Wind only. The HW-6 is the wind-only version of the unit-owner policy. Ask how it would sit alongside any other policy you carry.
Miami-Dade County's storm log, read for a unit owner
Federal storm records show how often wind events were logged in the county. For you, the money question is the building's wind deductible.
- Counts are report rows, not storms
- A building deductible can become an assessment
- Your own hurricane deductible counts too
For hurricane and tropical storm reports, NCEI files one row for each forecast zone a storm crosses, so one storm can appear more than once.
When wind damages a high-rise, the master policy's deductible is paid with association money, and that money comes from owners. A special assessment is one way it reaches you.
Go deeper: questions for the board about the building's wind coverage
- Does the current master policy include windstorm, and what is its hurricane deductible?
- If a storm loss fell inside that deductible, would the board draw on reserves, assess owners, or both?
- What percentage interest does the declaration give your unit?
With those answers, run the calculator above. Then ask your insurer whether your loss assessment coverage pays toward your share of the association's deductible; forms differ on that point.
Choose a hurricane deductible you could actually pay
Florida lists the hurricane deductible choices an insurer must offer. Knowing the base behind the percentages keeps the dollar figure honest.
- One flat option, several percentage options
- The percentage base is unsettled for condos
- Your declarations page shows the dollars
Before writing a personal lines residential policy, an insurer has to offer a $500 hurricane deductible along with percentage deductibles of 2, 5 and 10 percent of the policy dwelling limits17, with exceptions (Fla. Stat. § 627.701(3)(a)17).
That phrase, "policy dwelling limits," is not defined in the statute for condo unit owner policies18. Ask each company whether it applies the percentage to Coverage A alone or to A and C together.
Go deeper: the hurricane deductible, your limits and your lender
Limits move percentages. Raise Coverage A to cover the interior list properly and a percentage deductible tied to it rises too. A flat option stays put.
Small bases. A percentage option that works out below $500 does not have to be offered17, so a modest Coverage A may show fewer choices.
Mortgage limits. If your loan follows Fannie Mae's guide, your deductible may not exceed the greater of $2,500 or 5% of the unit policy's coverage amount, across the required perils19. Ask your servicer whether that cap reaches the hurricane deductible.
The declarations page guide shows where the hurricane deductible line sits on a policy.
Pull the building's paperwork before you set limits
A few documents reveal the building's age, its coverage and your share. With them, every quote is built on the same facts.
- Master policy certificate from the manager
- Your declaration's insurance section
- Public parcel records for year built
The year your building went up tells you what to ask about reserves and structural studies. Confirm it from public records or the association, not from a listing.
For year built and parcel details, use the property search20 run by the Property Appraiser of Miami-Dade County21.
The state's County Summary Report lists 4,485 condominium projects for the county, which DBPR files under "Dade"22, holding 286,968 units; by DBPR's own description, it counts only approved and recorded projects with 8 or more units23.
Association filings are on the DBPR condominium public records page24.
Go deeper: what each document answers for a high-rise unit owner
- Master policy certificate. Whether windstorm is covered, the building's deductibles and whether the policy covers finishes as built or bare walls only.
- Declaration and bylaws. Unit boundaries, your percentage interest and any insurance the association requires you to carry.
- Your declarations page. Current Coverage A, Coverage C, loss assessment limit and hurricane deductible.
- Upgrade list. Flooring, cabinets, counters and fixtures added by you or a past owner, with replacement costs.
Unsure how much Coverage C you need? The contents calculator sorts belongings room by room.
See several companies' answers for the same Miami unit
Companies read a high-rise unit in different ways. Put side by side on matching limits, those differences become visible.
- Same Coverage A, loss assessment and deductible
- Ask which discounts or credits apply
- Asking for a quote commits you to nothing
An agent tied to one company can show you that company's policy and no other. Comparing several on identical limits is how you learn whether another company sees your unit differently.
Quotes are open to unit owners across Miami, and each comparison is handled by an agent who is licensed in Florida.
No quote binds coverage. A policy starts only once it is issued, and whether to take one is your call.
Go deeper: how a comparison runs for a Miami condo
- Share three things: a description of the unit, the declarations page from the policy you carry now, and the certificate the manager keeps for the building's master policy.
- The agent maps what the master policy and Florida's list leave to you.
- Options from multiple carriers are set to the same Coverage A, Coverage C, loss assessment limit and hurricane deductible.
- You see where they differ, including any discounts or credits each company applied.
- You pick one, or none.
The how much condo insurance guide helps you settle limits before the quotes arrive.
Go further on Florida condo coverage
The statewide page and the topic guides expand on each band above. Other city pages cover their own counties.
- Florida's full condo insurance rules
- Guides for each coverage question
- Pages for four more Florida cities
Start with condo insurance in Florida for the complete statute walk-through, the DFS helpline and the gaps owners miss.
Other Florida city pages: Fort Lauderdale, Tampa, St. Petersburg, Orlando.
Leak from the unit above? Read water damage from the unit above. Closing on a unit? See the realtors and lenders checklist and the HO-6 policy form guide.
Miami condo owner questions
Is HO-6 insurance mandatory for a Miami condo in Florida?
No Florida statute orders you to buy one, but the condo act makes the listed interior items and their insurance your responsibility Fla. Stat. § 718.111(11)(f)3., (g)4. A mortgage usually settles it: Fannie Mae's guide calls for a unit owners policy when the master policy leaves out any interior part or carries a per-unit deductible25. Your building's declaration may also require coverage.
Why are Miami condos hard to insure?
A company weighs the building as well as your unit: its age, its height, how the master policy is written and the county's wind exposure. Some companies decline certain buildings, and each one draws that line differently. Comparing several shows which will write your unit. If private options run out, Citizens may be the fallback for owners who live in the unit 10.
Does my high-rise master policy cover my kitchen cabinets and floors?
Not in Florida. Built-in cabinets, countertops, appliances and the coverings on your floors, walls and ceilings are on the list the association's policy must exclude Fla. Stat. § 718.111(11)(f)3.3. That puts them under your HO-6, usually as Coverage A. Price out those items, including any upgrades, when you set your limit.
Will my HO-6 pay a special assessment for my building's reserves?
Generally not. Loss assessment coverage answers assessments that come from a direct loss your policy covers, such as storm damage to the building. Funding reserves, catching up after a structural study or paying for planned repairs is upkeep. Ask the board whether an assessment is tied to a loss or to maintenance before you file.
My Miami building's master policy now has a large percentage hurricane deductible. How does that reach me?
If a hurricane loss falls inside that deductible, the association has to fund it, often by assessing owners by their percentage interest. Florida requires only $2,000 of loss assessment coverage9 on your policy, a floor rather than a target. Get the deductible and your share from the certificate and declaration, then run the calculator on this page.
Can I drop the windstorm part of my HO-6 if the high-rise insures the building for wind?
The master policy's wind coverage protects the structure, not the items Florida's list leaves to you Fla. Stat. § 718.111(11)(f)3.3. Without wind on your own policy, storm damage to your finishes, fixtures and belongings has nothing behind it, and loss assessment coverage applies only to causes your policy covers Fla. Stat. § 627.714(1)9. Weigh both before removing it.
Rain keeps coming through my high-rise unit's exterior wall. Who handles the condo repair?
The exterior wall is usually part of the building the association maintains and its master policy insures; your declaration confirms that. Report each leak to the manager in writing, with dated photos. Damage to your interior finishes and belongings is on your side of the split, so read your HO-6 water wording: forms treat repeated seepage differently from a sudden event.
Can I get Citizens for a Miami condo I rent out?
Maybe not. Citizens describes its HO-6 and HW-6 for condo owners who live in the unit 10. If you rent the unit or use it only part of the year, ask how Citizens treats that use before you rely on it, and tell every company quoting you exactly how the unit is occupied.
Before you renew, make one call.
A licensed agent compares several companies on the same limits. Asking changes nothing on your policy, and a quote never binds you.