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Florida Condo Insurance

There are a lot of perks to living in a condominium. There’s less maintenance (no lawn!) and easy access to social amenities. Just remember: an individual condo insurance policy is important for protecting your things.

Like any residence, you’re responsible for insuring your personal property when living in a condo building. Your condo association’s insurance usually covers the building’s exterior, but not the contents inside. 

A condo covered by Security First Florida condo insurance in Florida.

Coverage for Condo Insurance

There are six types of coverage available on our Florida condo unit-owner's policy.

Most coverages have a minimum and maximum coverage amount (commonly referred to as "coverage limit") that allow you to customize your policy to best suit your needs. Remember: Your condo association's insurance does not protect your upgrades nor contents. It is your responsibility to repair your new wood floors, paint, wallpaper, and other interior features.


Coverage for the structure of your condo (Coverage A)

This is coverage for additions and alterations to your unit, or property which is specifically your responsibility according to your Association. This includes items of personal property permanently affixed to the unit that's not covered by the association's policy.

Coverage A Limits: minimum of $25,000 up to a maximum of 250,000*

Coverage for your contents (Coverage C)

This is coverage for your personal belongings located on or off your residence premises. Coverage C also provides coverage for your guest's personal property when items are located on the residence premises.

Coverage C Limits: minimum $25,000 up to a maximimum of $200,000*
Replacement cost on contents is included in a Security First Insurance policy.

Important Tips about Coverage C:

  • As you review coverage offered by other companies, check to see if replacement cost coverage for contents is available. If you do not purchase replacement cost coverage for contents, items that are lost, damaged, or stolen will be valued using actual cash value. The actual cash value is calculated using current market pricing minus the depreciation for age and/or normal wear and tear. The actual cash value is usually less than the cost to repurchase. Security First Insurance policies include replacement cost coverage on your personal property, so contents are valued brand new.

Coverage if your condominium unit becomes uninhabitable (Coverage D)

Often known as "Loss of Use" coverage. If your condo becomes uninhabitable due to a covered loss, our policy provides coverage for the additional costs you or your family incur while you are living away from your condominium unit. This includes costs for a place to stay, food, and clothing.

Coverage Limits: 40% of Coverage C

Tip: Make sure you keep all your receipts so that you can be sure to receive the correct reimbursement.

Rather than providing you with a check that requires you to deposit at the bank and wait to receive reimbursement funds for additional living expenses, we provide our customers with a pre-paid debit card that they can begin using right away once activated. This eliminates the hassle of depositing a check and allows our customers to withdraw cash immediately. This is one of the many solutions we've put in place to improve the customer experience with Security First Insurance.

Coverage for personal liability insurance (Coverage E)

This coverage provides protection if someone were to file a lawsuit against you, claiming you caused them bodily injury or damaged their property. Liability can protect you in situations that may be unforeseen, such as a friend twisting their ankle on a loose step. Liability coverage also covers certain defense costs—even if the lawsuit filed against you is false, groundless or fraudulent.

Coverage E Limits: $100,000 to $500,000

Coverage for medical payments (Coverage F)

Your policy provides for medical payments to others (not living at your residence) if they are injured on or by your property, or as a result of you or a family member residing with you.

Coverage F Limits: $1,000 to $5,000

Coverage for Loss Assessment

Coverage is available up to the limit stated in the policy for assessments made by the condominium association to you for damages to the condo premises caused by hazards that are insured by your policy.


Condo Insurance Discounts

We offer several discounts based on features of the condo and the age of the policyholder. 


Optional Coverages

We offer the following optional coverages that can be added to your policy: 

  • Identity Theft Protection

  • Dog Liability

  • Personal Injury

  • Water Backup and Sump Overflow

  • Increased Replacement Cost on Dwelling

  • Scheduled Personal Property

  • Golf Cart Physical Damage and Liability

  • Screened Enclosure/Carport Coverage

  • Increased Special Limits Coverage

Tip: Check to see if any of these coverages are included or excluded in the Florida condo insurance quotes you receive from your agent to make sure you're conducting an accurate comparison. By reviewing coverage carefully, you'll be able to make a better decision and discover the coverage options that are better suited for you. 


Online Condo Insurance Quote


Use our instant online quote for Florida condo insurance. Get started by entering your zip code, and the system will genereate a quote in a just a few minutes.

You’ll also have the option to easily send the quote to your local agent.