Florida Condo Insurance

If you own a condo, then the right Florida condo insurance package that matches your individual needs is essential.

As one of Florida’s leading insurance specialists, and we pride ourselves in the ability to help condo owners access the coverage they both need and deserve.

Florida condo insurance is a specific insurance policy designed to fit the unique needs of condo owners. Your condo association dues help pay for upkeep of the common areas but they do not typically cover your personal property within your own unit, or your liability if someone is injured on your property. Condominium insurance provides protection where condo associations do not.

Condo and town house coverage protects your possessions within your unit, including furniture, appliances, kitchen and bath facilities and your personal items. If you plan on upgrading your unit, any improvements you make will also be covered under your policy, including wall units, renovations, and wallpaper.

So how do you determine how much coverage you need?

Keep in mind that you’ve worked hard to create a safe, inviting home—and you’ve also worked hard for what’s inside. Whether it’s your new high-definition T.V. or a family heirloom passed down among generations, your possessions are valuable.

When considering the level of security you want to get from your Florida condo insurance, ask yourself:

• What is the association's responsible for insuring?
• What am I responsible for insuring?
• How much coverage do I need for my possessions?
• Do I have replacement cost or actual cash value coverage for my possessions?
• Are there policy limits for my valuables? Should I purchase more coverage for those items?
• Do I need earthquake or flood coverage for my unit or possessions?

Thankfully, State Fund Insurance is here to help. With all these questions and varying degrees of liability and responsibility, it’s easy to feel a bit overwhelmed. At State Fund Insurance we’ll take the time to help you choose the best, most affordable condo insurance in FL

Give us a call, we’d love to help. Contact State Fund Insurance today for more information on your Florida condo insurance options.