HO-6 written around what your master policy already covers — interior walls, floors, loss assessment. Send us the association declaration and we read it for you.
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Floors, cabinets, built-ins — everything the master policy stops short of.
When the association bills every owner after a big loss, this is what absorbs your share.
Your belongings inside the unit, at replacement cost.
Injuries inside your unit, and damage you cause to a neighbor's unit.
What your association's master policy leaves to you. Click a hotspot.
Cabinets, flooring, built-ins and fixtures inside your unit are usually yours to insure, not the association's.
Walls-in coverage on an HO-6 rebuilds the interior of the unit. What it has to include depends entirely on how the master policy is written.
A master policy written “bare walls” leaves far more to the owner than an “all-in” policy, and most owners have never read theirs.
We ask for the association's declaration page before quoting, then build the HO-6 around the gap it leaves — not around a guess.
After a major loss, if the association's insurance falls short, every owner is assessed individually for the difference.
Loss assessment coverage answers that bill. In a Florida building it is one of the least expensive and most useful endorsements on the policy.
A guest injured inside your unit, or water that starts in your unit and reaches two floors below, becomes your claim.
Personal liability responds to covered claims against you, and it is the part of an HO-6 that protects your savings rather than your kitchen.
A vehicle in the building garage, a bicycle in a storage cage, or items in a locker are not covered by the association.
The vehicle stays on your auto policy; stored belongings sit under personal property, often with a sub-limit worth raising.
The same questions a licensed agent would ask on the phone — in the order that gets you an accurate number instead of a teaser rate.
…and a few more. Average time: under two minutes.
Not a lead broker, not a call center. Your answers go straight into our agency system.
Including the ones that never show up on comparison sites.
By email or text, whichever you picked. No pressure, no endless calls.
Ava starts it. A licensed agent finishes it.
Independent agency licensed in FL · IL · MN. We compare 50+ carriers and place the policy that actually fits — no call center, no quote farm.
4700 Millenia Blvd, Suite 500
Orlando, FL 32839
Mon–Fri 9 AM–5 PM
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